One of the problems with our health car system is the insurance costs. Part of the reason that costs are so high is because people do not understand what insurance is actually for.
If you go to get your oil changed, should your insurance company pay for it? What about a tune-up? New tires? No, of course not, those are maintenance items, and people understand that you pay that out of pockets.
Amazingly, these are the same people that think that normal checkups should be 100% reimbursed.
The reality is that if everyone chose insurance that would cover major problems/surgery, and they paid the regular office visits, small non-critical emergencies, etc., out of pocket, they would pay a LOT less for insurance.