You need insurance (liability only) when you drive because you might hurt or kill someone else. It is a safety/liability issue. You do not need insurance when you visit the doctor because there is not safety/liability issue. In fact, it is the doctor who needs insurance because of the safety/liability issue - not the patient.
Part of the reason health care is so expensive is because of the nature of “insurance.” It is actually a brokerage situation, and whenver you add a broker to any transaction, it will ALWAYS be more expensive. Why? Because the money (”cash”) is not coming directly from my pocket. I am paying someone else to cushion the fall. And I am a bit more lax in my bargain-hunting endeavors because that broker “owes” me for all of the money I have spent on that broker over the years.
What would your solution be? (just curious, no sarcasm intended.) There has to be a strategy out there that would work for everyone, I just have not run across one yet (I know this Healthcare bill is not it).