Insurance is supposed to be there for EMERGENCIES, not to run you $10 copay for routine Dr. visits. That needs to be something you save and pay for, just like any other necessity of modern life, like utilities, food and gas.
That's one of those ideas that sounds good but doesn't work when you try them out in the real world. Most other developed countries have health care systems that pay 100% of costs (although non-American Slashdotters may be informative on that). Health insurance isn't car insurance.
The biggest problem is that once people have to pay for "routine" visits, they don't go on routine visits. Obviously you are one of those people who can afford to pay for a $200 doctor's visit out of pocket. Maybe half of Americans are in your category. The other half aren't. Doctors have no end of stories about people who didn't get routine care because they couldn't afford it, and wound up with preventable, fatal diseases. http://www.nejm.org/doi/full/1...
The other problem with "emergency" care is, "what is an emergency?" If I have to pay $100 for a doctor's visit myself, but my insurance pays for my $2,000 ER visit, I'm going to have a lot of emergencies. That actually was the problem in the Swiss health care system, which was mostly a catastrophic system which didn't kick in fully until you had passed a certain amount (It might have been $30,000). Once you reach $30,000, the insurance company has to pay for everything, 100%, so the doctors give them CAT scans, tests, specialist consultations, etc., and bill it all to the insurance company.
This is the type of policy and situation that is usually perfect for healthy younger folks that don't need tons of coverage for routine things.
Think about it. Any policy is perfect for healthy younger folks who never need coverage. The only people who need health insurance are the ones who get sick. If you develop multiple sclerosis or lupus, you can live a much more normal life if you can afford to get a lot of health care. There are drugs that can save your life and keep you out of a wheelchair for $50,000 a year.
I knew a young, libertarian Republican who had severe psoriasis, which put him in the hospital once or twice a year. The drugs he was taking were damaging his liver and kidneys. There were new, more effective, safer drugs -- but they cost $100,000 a year. What did he do? Government handouts. His wife was a government employee, and he was covered on her policy.