If I was designing a society from scratch, I don't think I would create "insurance" that is expected to pay for almost every routine, non-emergency, completely

If I was designing a society from scratch, I don't think I would create "insurance" that is expected to pay for almost every routine, non-emergency, completely predictable cost just because it's a medical cost. The employer-provided system--which arose out of WWII-era wage controls, for those who don't know--has not only created the "have/have not" dichotomy in U.S. healthcare, it has also warped expectations about what "insurance" is supposed to cover--and broken normal pricing mechanisms.