Healthcare is different as it is a series of cartels on multiple layers, and the risk-based aspect of insurance is blunted by the amount of chronic stuff covered. Your auto insurer doesn't cover broken brakes, but your health insurance covers blood pressure pills.
There are like 10 layers of mayhem and negotiation and esoteric rules.
A 15 minute consult with a GP is paid differently depending on whether the outcome of that consult is that you're diagnosed with e.g., strep throat vs. cancer.
Prices for common procedures are publicly posted at your doctor's practice.
IMO having some sort of universal care paired with optional enhanced private coverage for acute issues or other things would make sense.
You don't need insurance for small things you can pay out of pocket. (Or entirely predictable costs like a pregnancy without complications or getting glasses every year.)
You need insurance for catastrophic events that would wreck your finances.