There are other disincentives besides price that keep people from going to the doctor if they don’t need to

• wait times to get to the doctor
• the time spent actually getting to the doctor and being there
• social disincentives of having to explain a minor issue to a professional and probably something else that I forget now.

I used the health care services at my home town once this summer, and I spent two months there. Basic care is free at the point of service there. And I only went because I had had a concussion. Didn’t seem that the other people were there for no reason either.