You don't understand the concept of insurance. It isn't just to spread costs.
It is protection against an improbable event. What you pay is predicated on the likelihood of that event happening to you based on statistics and actuarial tables
For example, let's take life insurance
What would a $1 million term life insurance policy for a 21 year old healthy woman cost?
Conversely what would a $1 million term life insurance policy cost for a 50 year old crack addict with hypertension and diabetes?
Get the concept or are you too fucking stupid?
Too many people have allowed the concept of medical insurance to be perverted to mean having things like physicals paid for. That is not insurance.