[the OlLine Rebel]

Agreed, and to go off on a tangent…why is medical (don’t use the commie term for “health”) insurance including things like physicals/check-ups? Doctors should be for actual medical issues, not healthy people. Car insurance doesn’t YET pay for regular maintenance, it’s for emergencies. If it does, watch the rates go thru the roof and dealers demand you come in for every change, just like doctors who waste time on healthy physicals while us suffering people can’t get in in a timely fashion.

[Tell It Right]

To your point, I'm old enough to remember when, at least here in Alabama, one could get various levels of health insurance a la carte: what you want.

For example a catastrophic-only plan with low premiums wouldn't cover regular doctor visits or even x-rays or most meds, but would cover hospital stays and emergencies and such. Very much like your example of car insurance plans not covering oil changes and tire rotations. Or you could opt to buy, often from the same insurance carrier, more costly plans that covered more regular doctor visit costs. The point is, everybody got what they wanted in the free market and, don't miss this, hospital and doctor costs were a lot lower!