Here's an idea: let's form a religion (or teaching within an existing religion) which mystically believes that insurance should be based on hedging against risk of catastrophically-large expenses, rather than dealing with small predictable non-emergent expenses. The key is it would be based on dogmatic belief in a supernaturally-conveyed (and impossible to disprove) command that we must only use insurance that way. Whenever anyone asks you why insurance should be about spreading risk, we'll always use our faith in paranormal phenomenon to explain.
NEVER will we discuss game theory, limiting overhead, common sense, etc. Let's keep this religious.
Q: "Why do you think insurance shouldn't cover these $10 pills?"
A: "He wrote it thus, when his arm was moved by the will of The Noodly One."
Q: "Do you think it is more efficient that the patient directly pay the supplier of the pills rather without going through a middleman or filing a claim to get reimbursed?"
A: "I have no opinion about that. I do not know nor do I care."
Q: "But don't you at least agree that if the patient shops around, the might be able to get the pills for $8 here instead of $10 there?"
A: "The questions is impertinent. You're missing the point: the cost is irrelevant. This is a matter of good versus evil, and recognizing the essential basil oil in our souls. We transact directly with our sellers because we must, not because it reduces cost."
Q: "What if you don't? Suppose I could reduce claims processing overhead so that--"
A: "Overhead is irrelevant!"
Q: "Ok, but what if I had you file a claim for an $8 bottle of pills?"
A: "The horror!! No, please, no. That is the Shadow Sauce speaking through you. I cannot transact a drug purchase in such a manner!"
Q: "Wait a minute. How do you know all this?"
A: "I just do."
The big question is: do you think you can handle doing this? Mystics make this stuff all look so easy but you have to understand, they train this behavior their whole lives, guided from the time they are children. It's a way of life.