On the other hand, imagine if you had to go through your car insurance every time you had your oil changed or your tires rotated (going for an annual wellness check). Or worse, every time you had to fill up your gas tank (picking up a regular prescription).

Ideally this sort of routine "maintenance" work would be affordable and accessible to anyone, but we have layers of middlemen in the way because the entire healthcare industry in this country is designed to run everything through insurance.