You are talking minor health issues (headache, stubbed toe, etc.) and I'm talking about things which should be in the Health Care category but have migrated into Health Insurance.
Health Insurance should be for catastrophic incidents in your life. Cancer. Birth defect. Stroke. etc.. Basically the things nobody has any control over.
Health Care should be cheap and easy. Eat right, exercise, wear a condom, skip being a competitor in the X-Games, and you will be fine.
Example: Having a baby? Get out your checkbook.
Example: Born with a heart defect? No worries.
Example: High cholesterol from a crap diet? Get out your checkbook.
Example: Brain tumor? Your covered.
Example: Life time smoker with lung cancer? Get out your checkbook.
It all boils down to personal responsibility and personal control. If you as an individual can control it then you should pay for it.