The vast majority of medical services are not an emergency are planned in advance.
That's the problem with categorizing it as "insurance", when it's more like maintenance instead of a crash; since only the latter are typically considered events to insure against.
In any case the underlying issues is with cost for this maintenance, which only some entity powerful enough can do much about since individual players aren't in a position to make any dent; especially given there's hardly any alternative, like look for work that doesn't overpay for care to make a point to the market, or dying. That's why literally every first world peer with lower costs basically dictate them by fiat.