Think of your auto maintenance. Do you change the oil and check your tire pressure (primary prevention)? If something doesn't seem right, do you take it to the auto repair shop (secondary prevention)? Or do you wait until something breaks before taking it to the shop (tertiary prevention)? At which level is an auto accident? What does insurance cover? Which is most expensive? Which requires the most technical skills?
In one or two paragraphs, compare auto maintenance and insurance to health care maintenance and insurance. Which is better? Should health care insurance become more like auto insurance or auto insurance more like health care insurance? Or should they remain as they are? Also explain why you think insurance isn't part of the chronic care model, when it is such an integral component of health care.