[ROCKLOBSTER]

where is the incentive for me to buy from them

Because it costs less and the benefits are better.

and where is their incentive for them to sell to me?

Because they want your money.

[DoodleDawg]

Because it costs less and the benefits are better.

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.