Earlier quoted context omitted.
I agree, that in a form current insurance companies exists - i.e. perpaid medical discounts plan, they should be removed. People should be getting insurance from insurable events - i.e. accident, heart attack, etc. Not from routine vaccination, annual checkup, seasonal cold. High-deductible plans are a hack to get people to pay for more of routine stuff and I think it moves into the right direction.
Except even on a high-deductible plan, the provider bills the insurer, they play their games with the price, and eventually you get a bill. There is no up-front price. There is no market pressure. You still don't know what you will need to pay until weeks or months later.
That's why I called it a hack and not proper implementation. While what you described is true - patients are hit with "real costs" instead of $10 co-pays and rising premiums. ideally - yes, most minor stuff would be paid out of pocket - market forces would immediately put things in a right place. And for emergencies - leave that to insurances.