Plz Help: Getting the Most Out of Health Insurance

My employer pays $7200 per year towards my health insurance.
I can use it al at once or can use it to buy health, dental, and vision insurance (cant use for life insurance). This amount is in excess of my salary and use it or lose it type.

I am 28 years old and rarely have health problems (did not get sick in the past 5 years). So, I am wondering if there is any health insurance plan that I can buy which would build equity over time. What I mean is even if I buy health insurance that costs $7200 per year and then never visited a doctor—its all wasted. Instead of that I would like to buy a insurance plan that would build some kind of equity which can be used at later point.

Your ideas and suggestions will be much appreciated.

Thank you.