I have to agree with you here. The problem with insurance for routine care (the system we have in US) is that it makes the information asymmetry problem worse:

I have to agree with you here. The problem with insurance for routine care (the system we have in US) is that it makes the information asymmetry problem worse: since it's someone else's job to negotiate the price of routine day-to-day items, there's no incentive for individuals to make sure they're getting a good deal. This is equivalent to going through automobile insurance for oil changes and other routine maintenance.