This is a common misconception. For asymptomatic adults there is no proven benefit to regular "checkups".

https://doi.org/10.1001/jama.2012.36756

There are certain preventive care procedures that are proven to be effective based on reliable evidence. Everyone should get those, and for anyone with health insurance they're covered at zero out of pocket cost.

https://www.healthcare.gov/coverage/preventive-care-benefits...

The majority of healthcare spending goes to chronic conditions caused primarily by lifestyle factors such as substance abuse, over eating, poor sleep, and lack of exercise. The healthcare system can't deal effectively with lifestyle problems. Those are more in the domain of public health, social work, and economic policy.