Preventative treatment for disease is ten, hundred, thousand times cheaper than treatment ex post facto.
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Sounds like a misguided incentive ...
When we were hiring a lot of people out of college, I spent way more time than I expected teaching them about how healthcare works and how to find their own information. We found that a lot of them would build their idea about how health insurance works from years of reading Reddit posts: They thought visiting the doctor was always going to be a $1000 bill or a single accident was going to medically bankrupt them, because those are the stories they saw on Reddit. I would explain things like the free annual physical and many just wouldn’t believe me. It’s really tough to cut through the confusion out there.
These are items you receive along with your insurance.
They are not insurable events and they are not “covered” like an insurable event.
Predictable, regularly occurring events cannot be covered by insurance by definition. You can’t adjust it, you can’t assemble a risk pool, etc.
We use the word “insurance” to mean “nice things that I like” but I think we’d have more enthusiasm for socialized medicine if we knew how much of “insurance” was nothing of the sort.