Really, I've heard many people make the claim that we are over-insured. We drive the costs of things like routine dental work, annual physicals, and other things up by having them covered under insurance (in other words, preventative maintenance). The argument being made is that insurance should only be used for catastrophic incidences and that reagular exercise and proper diet could ease some problems (and remove a lot of the need for medications) and regualr check ups could be paid out of pocket at a more affordable rate. I realize this is all fiscal theory and that the genie is already out of the bottle, but it would be tantamount to having your car insurance cover a new set of tires every 40,000 miles, free oil changes, and the occasional fender benders.
Imagine how much an oil change would cost if everybody was guaranteed a "free" oil change with their car insurance?