Having a single charge master (your first bullet point) largely removes the need for non-catastrophic insurance. The whole problem here is price discovery. As p

Having a single charge master (your first bullet point) largely removes the need for non-catastrophic insurance. The whole problem here is price discovery. As people point out, your car insurance doesn't cover day to day maintenance (generally), but it doesn't need to because AAMCO charges a single price for an oil change and that price is public. The reason you need insurance for normal day-to-day medicine is because you have no idea going into a doctor's office how much anything is going to cost, and for that matter the provider doesn't really have any idea either.