Car insurance is for car wrecks. Health insurance is for diseases. You don't like paying $500 for a physical? Find a guy who will do it for $400. With everything going through insurance, there is no incentive to run the business of health care like a competitive business. Only that way will a physical cost less.
Oh, and by the way, tell me how your "insurance" is paying $500 for your physical, but YOU are not.
Well they're not paying $500, they negotiate a price a lot less than I can get. And by paying for my maintenance, as you put it, then they save money in the long run by avoiding more serious, more expensive procedures.