Health insurance has become the only insurance that pays for standard care/repair. When you need a standard repair on your home or car, you don't file an insurance claim. But if you have a cold, or need a well baby shot for your kid, you file a claim with your health insurance.
Health insurance, IMHO, should be like every other insurance - it should be for unforeseen and out of the ordinary circumstances. The fact that it's paying for every single sneeze, shot, cough, stomach and ear ache, and normal labor and delivery is why we're paying so damn much for it.
