> Right now we're often in a situation where the only data you have is expensive tests ran when you're sick enough to justify them, when it may already be too late.

In the USA, an annual physical includes a good deal of blood tests covered 100% by ACA-compliant insurance plans. The problem is most people don't do it.

As a person with a few chronic conditions, I'm getting bloodwork done every few months at the cost to me of $5/mo (heavily discounted by my insurer's portion of the payment).

What I have found is people who complain about the cost of the tests either don't have insurance (with many excuses for that: I'm too healthy, I can't afford it, doctors are for sick people, etc.) or don't go to the doctor, even though they pay a healthy percentage of their income for the privilege.

Health Insurance is too expensive to not use it. Get every bit of free benefit out of your insurer as you can (gym memberships, annual physicals, drug/alcohol counselling, lots of screenings and vaccines, etc), and if they are going to charge you and/or your employer to the tune of $2000/mo, fucking use it!