This is why health insurance shouldn't be used for anything short of catastrophic health events or accidents where unless you receive highly sophisticated care in a hours or even minutes you will be dead. Anything short of major surgery, needing an ambulance ride, or cutting edge life-saving procedures should be handled out of pocket.
To use a popular analogy, no one uses auto insurance to pay for an oil change or other kinds of routine maintenance. Instead you go to any number of providers who will quote you a price up front, do the work requested, and then bill you for the agreed upon amount. Imagine how much more fucked it would be if you had to go through insurance to get an oil change.
The flip side of this is that getting rid of insurance would make a large number of simple or small health care procedures far less expensive. The additional administrators and bureaucrats to oversee the insurance aren't free. Making people directly financially responsible for their own health would also incentivize them to take better care of it.