The car insurance industry is by no means the most useful comparison, but it does make some provisions that resolve a number of these issues. By that I mean wit

The car insurance industry is by no means the most useful comparison, but it does make some provisions that resolve a number of these issues. By that I mean with car insurance, a reasonable deductible and the knowledge that submitting an insurance claim will likely result in higher premiums, tends to keep people from over-reacting to small things. Most car insurance companies also offer a variation of the "preventive" care at reduced, or even no cost, such as with window rock chips - its far less expensive to fix those rather than replace the entire window. I'm not suggesting copying the car insurance model over to health insurance, but I think there are some worthwhile areas to explore, as I don't see the current health insurance system being sustainable much longer.