Those are all, arguably, consequences of the poor access to health care in this country and the short-term incentives in this country to delay care. IOW, they are products of the system that we pay more for (per capita or even per GDP -- or even either way only considering public expenditures and excluding the private costs) than first world countries that provide universal coverage through government single-payer systems.
And I really don't see the avoidance of primary care being primarily financial either. A yearly routine physical is not very expensive, and is often free at many public health clinics. Likewise common preventive care like flu shots, pap smears, and prostate exams.
A big reason a lot of people don't go to the doctor is that they don't like going to the doctor. I'm in that group. Having insurance doesn't change that.
I dislocated my knee this spring and reset it and just stayed in bed for 2 weeks. Never saw a medical professional, because they would want to x-ray (it might have broke, it was much more painful than a normal dislocation to me, and swelled huge for a while) and I'd be stuck with a $3 - 5k bill minimum just for that, combined with any treatment, and I'd laugh if they'd want me in physical therapy for it.
So it isn't just about not haivng a doctor to say 3 bic macs a day is bad for you, it is that in most other places people do see their doctors, regularly, and for most issues, beucase it doesn't bankrupt them. That adds up over a lifetime.
Check out the unit cost differences here:
http://voices.washingtonpost.com/ezra-klein/2009/11/an_insur...
"But I think the biggest single driver is our fee-for-service system that rewards volume instead of value and quantity of medical services instead of quality. And as a result, we end up doing a lot of things that cause more harm than benefit for patients."
Also:
"What that dramatic variation tells us is that there's a lot unnecessary medical care that's being delivered and a lot of room to eliminate some of that wasteful spending."