Whatever you do, don't take any responsibility yourself!
You mean pay out of pocket? I do.
But that's not the point. The article is about the worthiness of detecting illness early in minimizing the injury. The health insurance industry is dollar wise pound foolish.
Our entire health system is awry. We spend the bulk of our health dollars on the last stage of life to buy a scant number of days deferring the inevitable at great cost. A very few dollars might prevent illness in its inception. But it is deemed worthier to spend our limited fungible dollars on the heroic but futile.
That's why I support the concept of health savings accounts where a person can be in charge of their own medical spending again.