Health Insurance is kinda of a joke!

Why do I say that Health Insurance is a joke? Well what I mean is the name 'Health Insurance' has little to do with health and more to do with fixing problems within the 'system' of the care. . Let me first say that Insurance is critical to ones financial wellbeing, maybe it should be called Wellbeing Insurance' that would be a better definition, anyway not .many people I know can pay cash for a $20,000 surgey. So INSURANCE is no joke when it comes to paying for your medical issues. A true health insurance would be one that has a balance of wellness and medicine working together to create true healthy person. Some providers do a pretty good job of bringing in the wellness componant to members, but stil many members don't really use them.
How about creating wellness appointments alongside of regular Dr. visists that a member gets
The idea of rebates to members