It makes much more sense to make people pay for the more frequent low cost health care and the major health care costs are paid for under a universal health care system.  Not sure what country does this, but recently heard of this.  Nobody should have the stress and worry of losing their home, job, retirement if a major health issue arises.  Better yet a universal health care system that ensures all people have access to health care  at no cost- a federal sales tax on luxury items and a lodging tax perhaps?  If we had a single payer system and health care professionals get bonuses for preventative care we could help people live healthier lives.  Right now the system is benefited by people getting sick, that should be turned around- prevent cancer, stroke, heart disease, obesity, addiction, etc.