it appears that common preventative measures/tests fall onto your own taking care of your self. they cover big stuff that could bankrupt you.
You stumbled into a bigger question that may take 2 generations to rap our hands around.
And to quote Ronaldus Maximus, "There are no easy answers' but there are simple answers. We must have the courage to do what we know is morally right."
And where I am going with this is, are we suffering a prolonged hangover from the Kaiser Steel healthcare benefit because of wage and price controls of WWII experiment, and that Insurance should only be for the high end catastrophic events?
At this point we are so used to the Kaiser Model, that it would be a culture change and require a great deal of teaching and changing of hearts that even healthcare may not be a "free benefit" if you will....