I agree. Everyone should have a policy with a huge deductible to cover the big things, and pay for the routine stuff out of pocket, which is exactly how other kinds of insurance works.
Add tort reform to that and the “health care crisis” is solved.
If the gummint wants to get involved, they can underwrite the catastrophic care policies for the “poor” and leave the rest of us alone.
I want a comprehensive coverage policy for my car...it should pay for fixing door dings, any engine diagnostic tests I want performed, all maintenance (no matter how much I abuse the car), upholstry repairs, routine car washes, oil changes (heck, ALL fluid changes), paint fading, tire wear, towing...
That would be as affordable as my healthcare policy.