Really the wheels fell off when health care and insurance became about "wellness". The analogy now would be asking for car insurance to pay for new tires and brakes to reduce accidents.
Used to be a visit to the doctor for a sore throat or a stitch was cash money and insurance was reserved for big stuff like a broken leg or something requiring a stay in the hospital.
Funny thing is the idea of keeping people well to save money has not really worked out. There has been a push to reduce testing frequency and numbers. Turns out testing every single person for cancer or colonoscopies for all is way more expensive than treating those who get sick.
I only know what I read but it makes sense on the surface. Here's one example:
https://www.npr.org/sections/health-...-overtreatment