Just as an anecdote, I’m an older Millennial (1982) and since my late 30s I’ve been spending my HDHP cap in health services that my parents wouldn’t have bothered with, such as allergy shots and niche diagnostic blood tests based on the latest science, some of which have been covered here such as HSCRP. I’ve also had LASIK and had laser skin treatments done. I’m not a health nut, I just realized I don’t have to look and feel like crap in my 40s like my progenitors.