Why can't co-pays and extra medical bill be included in health insurance?

Why can't it all be included in the amount that comes out every month? At least the co-pays.
What is the point in paying health insurance if people can't afford the co-pays and any extra bills that come up?
I think that is the main problem with health insurance: we're expected to pay hundreds of dollars a month from our paychecks for health insurance, but can't use it half the time because of the co-pays and other expenses associated with it.
This is mostly a vent but this is such an important and prevalent problem that. People shouldn't fear going to the doctor's because one visit might send them into debt!

Added (1). @Ryan, the idea was for it to be included in the already existing amount being taken out…

Added (2). @ Anonymous, people can't predict every medical emergency or major medical procedure. Based on what you say, then no one should spend money on unnecessary things. Anyone can have a car accident at any time or have an appendix burst. So because of that we shouldn't buy a cup of coffee ever? And I'm not talking about a $20 co-pay setting someone back. I'm talking about that AND the costs of tests or anything else past basic things that are covered under what was already paid by us.

Because when people are expected to share the cost of medical care, they consume medical care services more wisely.

If everyone had 100% coverage they'd be running to the emergency room every time they had a hangnail. We'd either bankrupt the system, or we'd have to put in service limits that people wouldn't like.

Ultimately it is YOUR responsibility to pay for your own basic needs… Food, shelter, medical care, etc. You KNOW your insurance plan has co-pays and co-insurance so you need to plan ahead for that before you buy a new iPhone, take a vacation or spend $5/day at Starbucks.

"People shouldn't fear going to the doctor's because one visit might send them into debt!" You're being melodramatic. If one $10 or $20 copay sends someone into debt, they're living above their means and not managing their money properly.

Most insurance plans have an annual out-of-pocket max that the patient is required to pay. Your emergency savings account should have at least THAT MUCH in it.

Sometimes it is… But are YOU willing to pay thousands of dollars a month for that type of coverage?

You can purchase insurance coverage with little or no deductible.
The monthly cost is very high.

Unless you are a very sick family, you would end up paying more.

The already existing amount isn't enough. They would have to take out so much more from your insurance that you wouldn't be able to afford to have the insurance.

It would actually be a lot more than the total of everything you are paying now. When everything is included in the fixed monthly amount, so every pays the same each month whether or not they go to the doctor, it winds up costing something like $10,000, because some of them go to the doctor much too often for minor things, because they know it won't cost them extra.

There are plans with small deductibles and co-pays out there, but those policies are more expensive.

Because insurance never covers you 100%. You pay premiums and insurance counts on you not using it too often. That is a problem with private insurance. If you have an employer plan you are better off than those who don't. You don't have a huge annual deductible to pay before insurance covers you at all.

The point of copayments, is to have "skin in the game" as far as filing claims goes. That keeps you from running to the ER every time you get a splinter or have a cold.

Adding in the cost, would probably add an extra $100 a month or more to your cost of health insurance.