I have reasonable insurance and the reason people "spend more time living with disease" is that the annual cost of not doing that is a couple of thousand.
The minute I hit a doctor for anything other than a cold, I expect it to cost me $1000, and if it turns out to be serious, I expect to spend out-of-pocket maxes, or $3000-5000.
So basically, the cost of 'going to the doctor' needs to be assumed to be at least $3000.
So uh, I don't go for any actual issues unless I'm prepared to spend that much.
This system is fucking stupid and designed to both discourage you from visiting and when you finally break down and go, to empty your pockets.
...but hey, if you can find cooperative doctors, they'll happily refer you to endless specialists and such so you can at least maximize the thousands of dollars you've spent? (This is still stupid.)