The best thing in this article is to NAME what everyone wants. It’s not insurance. It’s medical care. We don’t really want insurance except for catastrophic, which each insurance purchaser hopes he will pay for in vain. It’s a bet we make with an insurance company that we might need it and they are hoping their customers won’t need it.
And we do want actual medical care to be closer to its actual value. No “copays,” which remove logic from the value of seeing a doctor. Seeing a doctor should cost more than a plumber and less than a lawyer. So, $100-200 for a routine office visit. And you should be able to find clinics that drop that down to $50-80 in some parts of town or for poor people, maybe even a few free clinics operating on charity funds. And certain specialists charging more.
And boutique or concierge medical services SHOULD spring up like mushrooms. Doctors should get a few together, plus a lab and a physical therapist and maybe some other specialties or caregivers, and ask for a monthly fee for “free” use of their services.
Any system that works for doctors and their patients should be allowed and encouraged. We all, both health professionals and patients, should not be working for the government or insurance conglomerates. It’s all wrong.
To the original poster who wants more straight up fee for service, ability to use any doctor you choose in the country, definitely join a health share. I recommend mine, which is Liberty. Reasonable deductible and after it’s met they pay in full every other medical bill.
Seeing a dr should cost less than a lawyer? You kiddin? A plumber has about 3 years training , a lawyer 7, and a physician 10-11. Drs. Are worth at least double what lawyers claim to be worth, and that is a stretch. Plumbers are on par with lawyers. Many physicians are in very high stress situations dealing with life and death. Half the lawyers are as crooked as their criminal clients. Look to the Clintons and Obamas for sterling examples of the peak of the profession and reassess your ranking.