Health Insurance Costs too much because the whole design is BullShittt

Example: Car Insurance. Do I call the Car Insurance Company when my windshield wiper needs replacing, my oil changed, a tuneup, new tires, etc and expect just to pay a co-pay and have them pay the rest? No, I call them after a collision or a car theft and expect them to pay, minus my deductible. Otherwise car insurance would be about the same as health insurance, $1000.00 a month.

Home Insurance. Do I call my Homeowner Insurance Company when my sink is clogged, my a/c or hot water heater breaks, if my house needs a paint job , or if a lightbulb goes out? No, I call them if my house burns down , a hurricane, tornado, storm etc wrecks it. Otherwise home insurance would be 4x more than it is now. In Florida it’s too high already.

Health Insurance. When I go to a doctor, I always pay a copay even if it just for a simple procedure. The insurance pays for everything else. If everyone was paying out of pocket except for major issues the prices of procedures and payments and insurance costs would go down. But the big pharmaceutical and medical insurance companies have rigged it in their favor, it will never be fixed.