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I have a hard time believing that someone would think, "I don't have to wear a helmet while cycling because I have an AWESOME medical plan."
Course not, Dee. People are much too fucking stupid to think that. :) What your average dumbshit would think is "Goshdarnit, it's hot today, I won't wear a helmet" or "ZOMFG! The helmet will totally bum out my bitchin' new do!" Or, if they're a bit smarter, they'll remember what that helpful man on the internet said, that helmets are responsible for neck injuries, and so justify not wearing one with that logic.