“That is the whole idea of INSURANCE — nobody knows what diseases they may get or accidents that can happen.”
Insurance involves coverage for catastrophic events. Medical insurance however has evolved into a combination of insurance, warranty, and income redistribution. Given the aging population, even insurance is difficult to provide. The idea that someone else should pay for your routine medical care puts the idea of insurance at grave risk. A warranty is prepaid maintenance. However, medical insurance has evoled into someone else paying for your routine care. Warranties rarely cover routine maintenance such as oil changes. Medical insurance is burdened with incredible levels of routine care now extended with the principle that no copays can be required for routine preventative care including birth control.
Our medical system will collapse from the weight of excess demand, price controls, and government rationing schemes. I think that you will need to find care outside of the government scheme to get competent care. I think that Indian reservations may provide a haven for private care outside of the government system.
...by the way, I completely agree with your assessment of health insurance. To your point, I don’t make a claim on my home-owners insurance when I need to paint my house. HSA’s and catastrophic coverage is my approach.