That’s a great way to articulate the problem.

Imho, a brilliant solution is direct primary care. For $80/mo, I have access to a dr that works for me, and not my insurance company. Absolute game changer in that he has a bias toward understanding and optimizing rather than gaming insurance metrics to be rated as a double-plus preferred provider or whatever.

Also gets my lab work done at a fraction of what my insurance deductible would be.

Combine it with a high deductible insurance plan to hedge against the truly catastrophic/expensive possibilities.

There are direct primary care providers all over. Google it. I can’t recommend direct primary care highly enough.