That's frustrating. Can you reserve carrying the health insurance cards for occasions when you're going to the doctor for routine visits? I've only dealt with needing the physical card once when first visiting a new provider, and once I was in their system, they just asked if my insurance was still the same.

Lately, I've been using Google Pay instead of physical cards whenever I can, so I hardly even need to take my wallet out.

Long ago when I carried more cards, I used a zipper pouch similar in style to this one. Mine was a different brand and in plain black nylon material that stayed clean and in great shape for many years before I downsized further.