Thoughts about Healt Insurance

I’ve wondered what the landscape of health insurance would be if we treated it like we do our automobile and home-owner’s insurance. What would happen if we only had coverage for major health issues (injuries, hospital stays, emergency situations) instead of having regular “maintenance” (i.e. annual doctor visits, short-term illness treatments – such as colds and viruses, chronic treatments – such as allergies, high blood pressure, etc.) covered also? How would this change the way our health-care system worked?