If my breaks need replacing or my A/C goes out, I'm not going to use my car insurance to pay for that, because that would make the insurance really expensive, a

If my breaks need replacing or my A/C goes out, I'm not going to use my car insurance to pay for that, because that would make the insurance really expensive, and create a similar price insensitivity. I don't see how that's different than getting knee surgery or whatever. OTOH if I get in an accident where I'm not at fault (let's assume the other person didn't have insurance), I'll use my insurance to fix the car, because it's a sudden emergency with a high cost. I don't see how that's different than a heart attack or whatever. I don't see why people conflate all medical care into one group. Routine care and emergency care are clearly separate.