I don’t believe in not treating patients who will eventually wind up in the ER with a life threatening condition. That is not what we should do as a society.
What I do believe in is having insurance cover conditions that are life or limb threatening- CHF, diabetes, cancer, heart disease,trauma, etc.
The rest not on the list- you pay for out of pocket.
You want your hay fever treated? Pay for it out of pocket.
Same with erectile dysfunction. Pay for your own Viagra.
You want a scooter? Lose weight, you may not need it if you lose a few pounds, if not- pay for it on your own.
Insurance covers too much.
Amen, sister. This is what "insurance" means... risk management for catastrophic events. On that basis, costs will drop considerably.