If you have to save to go to the doctor, people won't go to the doctor for routine care.
When people don't go to the doctor for routine care, they have to solve the problems after they've become problems.
Ounce of prevention, pound of cure?
A real-life example... even pre-ACA.
A co-worker hates going to doctors, so it wasn't about cost, it was just about fear of doctors.
They recently had to go to the dentist for a root canal and a crown. They complained about jaw pain, thinking it was lockjaw, or whatever else the webs would say could possibly cause that discomfort. So here they are, in major pain, with a major operation, with a major bill at the end all because... they didn't want to go to the goddamn doctor for routine checkups in which they could have just paid 20 bucks for a dental cleaning once in a while and maybe another 20 bucks for a filling.
The major operations are what causes the costs to grow exponentially.
I'd rather them only pay a co-pay for regular checkups, so they'd actually go instead of having to save for it. C'mon, 120 bucks for a dental visit when you don't feel anything wrong with yourself or 120 dollars of beer. That's an obvious decision... I'd go home with the beer, I floss and brush my teeth everyday, I got no problems.... except the last time I went in I had a cavity, but that's just an exception right? right? right? /sarcasm