[lostapathy]

One could also argue the current model is more like "I found a solution to routine auto maintenance costs! Our super premium insurance includes oil changes, tire replacement, and other routine service."

Part of the problem with health insurance is that it's not just "insurance" in the true sense of the word - it's involved in minor and routine care as well. I don't have to involve my auto insurance company when I run over a nail and get a flat tire - why do I need to involve my health insurance when my kid has an ear infection?

I understand why we got here - preventative care reduces costs, and people would avoid it if not included in the main package. But there isn't a doubt in my mind it hasn't distorted the market.

Get a price quote for a windshield replacement paid directly and through an insurance claim. It's a LOT more expensive, overall, when insurance is involved. Health insurance is not fundamentally different in that way.