Sorta kinda, assuming co-pays were made quite reasonable then it becomes more a question of how to philosophically deal with the free-rider (from public bus) fame. Having a low fare, even an unreasonably low fare, decreases excessive use through weird psychological effects.

Or the associated cost of recouping those costs, it costs money to administer all that which could instead just go towards healthcare (or transit)

When everyone has insurance by default or transit is free and we pay it via taxes then there is no free rider problem.