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>> Actually, high-deductible insurance plans with low monthly payments - that pay NOTHING for routine care and maintenance - are pretty common. They are what most people have. <<

This is true. However, a fair number of high-deductible plans *do* pay for annual preventative exams with no co-pay or deductible applied. In fact, the legislation enabling HSAs explicitly allowed this exception to the high-deductible requirement.

Agreed with the rest, though; insurance -- true "insurance" -- is generally designed to protect the policyholder from catastrophic loss, not minor routine expenses.

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