The Scandinavian model is to treat healthcare as a part of the larger picture. We don't address the obesity issue by denying/increasing the co-pay of healthcare, but by taxing unhealthy choices and making it easier to choose to live healthy. The same goes for tobacco and alcohol (yes, the expensive alcohol in Norway is a feature, not a bug). We spend state money on electric cars partly because bad air quality is very expensive for the healthcare budget.
As for the hypochondriachs and people misusing their medication; everyone has a "house doctor", the one that you book your regular appointments with, and who receives all your papers. If you choose to go to a different doctor, or the ER, they will send you back to the house doctor. The house doctors are quite strict, and will often tell people to take a paracetamol and see if gets better, if not; come back in two weeks. There is no system for sueing doctors. If things go seriously wrong, you might get a compensation from the state. But it is very rarely blamed on individual doctors. Due to this, the system as a whole saves a shitload of money on unnecessary tests, medication, and operations. We have some of the lowest use of antibiotics in the world (and do not have a lot of multi-resistant bacteria).
My kid has Erb's palsy. In the facebook groups about the diagnosis, it looks like most of the US kids with this diagnosis (who have insurance) have several operations before they are 5, and often need to re-operate later in life. Long term physical therapy is rarely covered by the insurance. My kid only had physical therapy and training (swimming lessons paid by the state) until the age of 8. By then we had been able to retrain 90 % of the muscles, but one movement was still missing. So she got an operation for that, before going back to physical therapy. Her arm and shoulder blade moves a bit differently, and they told us there is a possibility to operate to make it look more normal, but they recommended not to do it since it was purely cosmetical and could cause other problems. If everything continues as now, and she keeps up the stretching and training, she won't need any more operations. Better life for her, cheaper for the state.
We have a panel for medicines, where the recommended limit is 275 000 NOK/extra year of life, adjusted for quality. That means that some of the more expensive treatments available in the US for well insured people, are not offered by the state universal health care here. Now and then the panel gets a lot of heat in the media for "denying people life saving treatment", and sometimes the politicians give new orders based on the outrage. But usually, the decisions by the panel make sense.
But: our system is built on an acceptance of a strong state, that tells us what is best for us.