You're probably right, but whats the line between major and the mundane? You cant say cosmetic surgery is trivial because what if somebody gets in an accident? Obeisity is at least partially an inherited trait, should somebody not be afforded gastric bypass?
Although a lot of people never experienced it or don't remember, there was a time when everybody paid out of pocket for minor medical issues. You bought medical insurance to pay for surgeries, births, and hospital stays. That's probably something we should aim for again. Your zit problem, moodiness, or snotty head cold is not society's problem - it's your problem and you need to pay for any treatment yourself.
Americans are tragically over-medicated and whiny. You do not have the "right" to a life free from various diseases and conditions associated with being an organic creature. Most GP visits are for minor, transitory things. Cut all that out of the system and costs would come down.