I couldn't agree more.
Fortunately Apple Health is really good at this [1].
Well, it would be cool to get more real-time feedback, where possible.
And sure, somethings will be easier when blood is drawn.
So, “yes” to both questions
8% of the US population (about 26.4 million people) don't have medical insurance [1]; there's no annual physical for them. Unfortunately they only get medical care via the emergency department. I bet a lot of them have smartphones.
BTW, 8% is an all-time low.
[1]: https://aspe.hhs.gov/reports/2022-uninsurance-at-all-time-lo...
Short answer: no.
You’re not going to be screened for certain things on your annual unless your age or condition warrants it.
Unless you’re in a high risk group, they’re not going to recommend a colonoscopy if you’re under 50-55 years old. That could change if enough data has been collected to suggest otherwise.
https://www.cdc.gov/cancer/colorectal/basic_info/screening/i....
However, you may need to be tested earlier than 45, or more often than other people, if you have—
Inflammatory bowel disease such as Crohn’s disease or ulcerative colitis.
A personal or family history of colorectal cancer or colorectal polyps.
A genetic syndrome such as familial adenomatous polyposis (FAP)external icon or hereditary non-polyposis colorectal cancer (Lynch syndrome).