Insuring Known Events Guarantees Increased Prices

Lost in the entire discussion of healthcare insurance is what should insurance actually cover?  The whole concept of insurance revolves around the notion of risk--insurance is meant to cover events that might occur, not events that absolutely will or won't occur.  Insuring against events that might happen is prudent; insuring against events that absolutely will or won't happen is just stupid.  The health insurance offered by American employers and that now mandated by Obamacare does both.  Annual check ups are a prime example.  There is absolutely no risk to an insurance company that covers annual check ups. They know you will get one and know how much it will cost. They add their markup to the cost and add it to the price of your insurance. So instead of simply paying the doctor $x you pay the insurance company $(x+y).  

Imagine how much your auto insurance would be if it covered oil changes?  The mechanic would have to hire people to interface with the insurance company. The insurance company would have to hire people to interface with the mechanic. Both sides would want to make more money. The cost of all of this would be borne by you!  That's exactly the case with our healthcare insurance system!