One aspect of the current health insurance state is that it is expected to be more than insurance against risk of accident and disease--people largely expect it to cover routine and preventative care as well.

It is possible that in a true free market health insurance companies will provide these to the extent that such care reduces the downstream risk of preventable disease. Likewise, they may incentivize healthier lifestyle choices through reduced premiums/expanded coverage.

Nonetheless, the actual mechanics of market forces and competition resulting in a broad spectrum of insurance choices/costs is so distorted by government legislation and regulation that we get a completely ill-fitting market that few people are happy with.