We always had insurance but always told the doc we didn't. Be surprised how much lower the cost was.
We only took the kids to the doc's when we thought something was broken!!!!
Always paid the fee for service and never charged insurance.
Just old fashioned, I guess.
Old fashioned is a good thing. People have short memories. I remember 50 years ago when there were none of these social welfare programs where most of the tax revenues go to the "administrators" of the programs. These programs are just a means to employ lazy government slackers.