Even big companies today effectively have what was called 20 years ago “catastrophic” insurance, except that you can get all kinds of preventive “wellness” crap that you may not need or want.
Meanwhile, you go to the doctor for one of those wellness checkups, and they will work extraordinarily hard to turn your low-profit wellness visit into a higher-profit regular visit.
Thankfully, my company has its own wellness center that is run in conjunction with the regional hospital, so all the basics can be taken care of there at minimal cost ($10 co-pay). But I’m no spring chicken so out-of-ordinary ailments would not be good for me or my wallet.