Your current system is still broken if say I go to a second doctor and pay with cash, no insurance involved, so it still preferable the doctor and pharmacist to

Your current system is still broken if say I go to a second doctor and pay with cash, no insurance involved, so it still preferable the doctor and pharmacist to ask you if you have known allergies, other treatment or suffer for some specific illnesses . You could extend your argument that insurance companies should get access to what food and drinks you buy so they prevent side effects(and not at all tax you more because you drink beer or eat cheap food a lot)