The consumer already does pay for basic medical care. You think the money just appears out of thin air? It either comes out of your taxes to cover Medicare expenses, out of your inflated insurance premiums, or directly out of your pocket. Blaming "the system" does nothing to alleviate costs but rather passes these costs onto those who can't afford it to begin with.
In terms of your auto analogy, basic maintenance saves you money in the long run. That's a given. The same goes with healthcare - if you keep your body in good working order, you can avoid catastrophic costs down the line. Most rational people do this by eating well, exercising, not abusing alcohol or drugs, etc. Other people don't do this and eat fast food, drink massive sugary drinks, suck down coffee like it's nothing. Then they get diabetes, they get fat, they get heart disease, they get cancer, and it raises costs for everybody.
Whether you realize it or not, you're agreeing with me about preventive care.