The average person under 65 in the US incurs around $7500 per year in health care costs, of which 30-40% are the administrative costs of processing claims and keeping track of them.  5%  incur 50% of the claims -- the big ones, for which they need catastrophic major medical insurance ... the ONLY kind of health insurance we should have.

The other 95% of claims average less than $4,000 per year, and would be less than $3,000 if claims processing weren't involved.  A $3,000 HSA would be sufficient for 95% of the "routine maintenance " health care.  No insurance is involved, and no claims need to be filed.  We need to get health care back to the free market and re-introduce price competition and prioritizing health care with our other wants and needs.  

Fundamental principle of insurance:  Pay for the routine, expected and predictable out of pocket,  and only insure against  the unexpected and catastrophic.  Anything you insure costs more due to insurance overhead.