>Who cares how much it costs if your health insurance cover it?

At least under the current model, many people don't hit their deductible or max out of pocket. I know some older retired couples who are buying insurance on the market with 10k+ deductibles because they're generally in really good health, and the cost of insurance isn't absolutely insane with that level of deductible.

They would absolutely drive an hour rather than 5 minutes for non-emergency situations!