[taildragger]

Pay for "maintenance" out of pocket. This would make health insurance much much much less expensive and much less bureaucratic. You know, like we used to have, and called it "major medical."

FSA's / HSA's combined with Flexible Spending Accounts do this with great aplomb, with almost zero healthcare inflation. Their is a Doc' that ran for Congress who's business had this combo and his employees liked it...

FSA-HSA's go bye-bye under Obamacare, they are not "qualified" you know, and FSA contributions get cut in half.

Nah, can't have free market stuff that works...

[copaliscrossing]

FSA's / HSA's combined with Flexible Spending Accounts do this with great aplomb, with almost zero healthcare inflation. Their is a Doc' that ran for Congress who's business had this combo and his employees liked it...

My company has a HSA/high deductible combo plan whereas the "high" deductible is $1500 and it is backed with a standard insurance plan after the $1500 is satisfied. The company dumps the $1500 into your HSA every year and that money keeps growing until you use it. I had mine up to $4,500 before I used any of it. I also think you get wellness visits paid in full without using the HSA. Things like physicals and so on.