If every claim I make I have to pay the out-of-network copays and the out-of-network percentages and meet the out-of-network deductible then how will it cost less and how are the benefits better?
Because they want your money.
I'm assuming that they will want to make money even more. Hard to see how they will do it with me if their costs are higher than the average policy holder and they charge me the same premiums they charge their other policy holders.
You stop doing that. My carrier albeit a group, actually shops around for me when it comes to a procedure. Most recently they saved $1400 by having me drive 1/2 hr to another town.
I'm assuming that they will want to make money even more. Hard to see how they will do it with me if their costs are higher than the average policy holder and they charge me the same premiums they charge their other policy holders.
They probably won't charge you the same if you have lots of claims, and they allow unlimited underwriting. Premiums are based on claims, that only makes sense. The more claims you make, the higher risk you are.
If they can't make any money on you, they probably don't want you.
Maybe you can find a group plan and get in under the guaranteed issue provision, or make a deal with the carrier to cover everything but heart issues.
What exactly do you expect to happen? Free?