Heck, even the concept of health "insurance" as we have it today seems broken - does my car insurance pay for tune-ups? I'd like nothing more than being able to buy catastrophic care insurance (what was once called "major medical") like I buy car insurance (including the government-mandated high-risk pool so that no one gets priced out - we made that work for car insurance after all), and let all the day-to-day medical stuff be a cash transaction no different from an oil change.
Well, I did just that. I have an individual health insurance package with a very high family deductible. After meeting the family deductible: no copay, no coinsurance, no thing. Insurer pays all.
By doing it like this, I'm using insurance as it is meant to be: I pay the small stuff myself, but should I get into an accident or get very sick, I'm covered.