Insurance is not suited for health care. It's suited for emergencies. Sometimes health care is that, although preferably not often, and less often if proper care is given when due.

But general health care—the practice of keeping people healthy, rather than fixing them when ill—is not suited to the insurance model, and the insurance industry is too powerful to let control who gets which treatment.

A proper model pays the actual healthcare provider to keep you healthy on the regular, and then it costs you nothing in the event of sickness or emergency (like you need more stress at that moment).

The very idea of mutual indemnity is out the window with modern insurance, it's all about squeezing stats for margins, at which point there is not real mutuality, only competing risk profiles. Of course, a group of people might want to pool for emergencies, or even general health, but is there any benefit to the current scale of insurers? It only makes them more powerful.