Scott, we have to remember when "Health Insurance" came into general acceptance. During WW-II when wages were controlled by the government, employers started paying for their employees doctor bills leading to insurance as a benefit aimed at increasing the effective pay in excess of the wages set by the government. This benefit was continued, either voluntarily by the employer, or via contract with the unions. Most receipients of company supplied or subsidized insurance are ignorant of the insurance concept as well as the insurance costs being part of their compensation. The compensation aspect hasn't been missed by the politicians as they have been talking about taxing the benefit as income.
Most folks these days figure they need to see a doctor every time they get a runny nose, and God forbid if they have to pay for an office visit.
I must be getting old, when we went to a doc when I was young you had a cut so big you couldn't tape it shut, broke something that needed setting, or had a temperature of 105 or so you couldn't break with chicken soup and asprin; even then you didn't worry too much unless delirium set it. My spelling isn't too good but I think you get my drift.