Does your car insurance cover oil changes? tune ups? tires? brakes?

It sure would be nice if it did!

Or would it?

If our car insurance covered all these things the premiums would skyrocket to 2-3 times what they are now making car insurance unaffordable to most.

So why do we expect our health insurance to cover check ups, hair loss, sexual function, and maintenance medication at a low premium.

Take this as an example:
The average vehicle in the US is worth around $12-15,000. Many people these days due to costs carry a $500 to $1,000 deductible in case they 'total' their vehicle. So in other words many are ok with paying $500 to cover a $12,000 risk.

Now let's take a look at health insurance:
Many people who look at health insurance think a policy with a $2,000 deductible without an office call or prescription drug benefit (aka 'co-pay') prior to meeting the deductible is worthless coverage. Most health plans have a lifetime benefit of at least $1-2 million. Are we asking too much of our health insurance if we are not willing to pay $2,000 if we have a $100,000 or $500,000 hospital bill? Should we expect the health insurance to cover office calls at 100%, drugs at 100%? Is $2,000 too much to pay if you have a have heart attack? cancer? etc.

Is $2,000 too much to cover a $2 million risk?

Many will argue that they can't afford to come up with $2,000 upfront. If you can't afford $2,000 upfront how will you be able to come up with $10,000 or $100,000 later? If you had a $100,000 hospital bill and the insurance company paid $98,000 to the hospital, every hospital in the US would be more than happy to let you make an affordable payment on the remaining $2,000. Carry no insurance and you are now facing a $100,000 bill that most likely will cause you to go bankrupt.

See link on US health related bankruptcies. Medical Bill Bankruptcies

Should we ask our health insurance to pay for office calls and routine services so that's it's unaffordable or should we ask it to provide for coverage to keep us from financial ruin?