I don't want or need health insurance to cover routine health care/maintenance. My car insurance doesn't cover oil changes. I think we need to start with gettin

I don't want or need health insurance to cover routine health care/maintenance. My car insurance doesn't cover oil changes. I think we need to start with getting to affordable routine health CARE [checkups]. The fact that many family insurance plans cost $1000s a month in premiums and don't kick in until $10,000+ of deductible is spent first is ridiculous. People that have coverage still don't go to the doctor until they are very sick to avoid the high costs, this compounds things because the cost to deal with a minor respiratory issue is drastically less than when/if it turns into pneumonia.