I agree with your point on "pre-paying for health care". If health insurance was really an insurance, only covering unexpected occurrences, like a car accident

I agree with your point on "pre-paying for health care". If health insurance was really an insurance, only covering unexpected occurrences, like a car accident, while people had to pay out-of-pocket for normal expenses, like doctor's visits, you'd likely see a significant reduction is costs as people couldn't afford the currently astronomical prices and demand would dry up. I also believe an issues with the health insurance industry is that businesses are their primary customers, not consumers. That substantially reduces competition and incentives to provide good customer service and rates. If insurance was not provided by the employer and everyone had to purchase their own health insurance just like they do car insurance, I'm certainly we'd see a lot more commercials saying, "Save 15% or more by switching to Blue Shield!"