Agreed, calling it health 'insurance' is a horrible misnomer. But, I don't think that your solution (stipend + insurance) is good, since there are conditions t

Agreed, calling it health 'insurance' is a horrible misnomer. But, I don't think that your solution (stipend + insurance) is good, since there are conditions that increase the frequency of 'routine' care. So, for instance, a diabetic with no income/wealth, who has to rely solely on their stipend for healthcare, would still be screwed with one of these conditions. You might say that insurance should cover this kind of condition and not consider it 'routine care', but we see how well this works in the current for-profit medical insurance system. Insurance providers seem to be okay paying out low-frequency high-cost events, since that's the risk profile they model, but they hate paying out recurring care costs. Once you become a recurring cost, it is in their profit interest to reduce your care, or get you off their rolls.