[gwerbret]

Upon reading the responses my earlier comments generated, I suppose I should have disclaimed that I'm seeing this problem as the OP had portrayed it, which is as a thought problem in logic and economics, rather than an actual approach to preventative medicine. As a thought problem, it can be broken into basic, of-necessity simplified elements, e.g. preventable vs. non-preventable illnesses, fee optimization, etc.

The idea of actual healthcare being dependent solely on optimization of greed is, of course, ludicrous.