https://www.uspreventiveservicestaskforce.org/uspstf/recomme...
The recommendations tend to take these into account, and then you and your doctor adjust.
Sometimes politics gets into it, like with the recent changes to breast cancer recommendations, but, overall, it works well for many people.
We haven't even solved the most basic shit like shelter, food, education, &c for millions of people in the west, as a society we're faaaaaaaaar from universal yearly full health checkups. As an individual feel free to get private checks, they'll gladly take your money
This has a huge GDP cost in the USA, that needs to be addressed. The causes are big pharma/hospo/AMA/insuro/lobbyo.... One wonders why the AMA is there? - they limit the numbers of doctors trained in Universities/training hospitals to forestall price competition among doctors by various means. Dentists do the same.
https://www.healthcare.gov/coverage/preventive-care-benefits...