I think its a great idea
You have 50 patient/families, and you charge them yearly what HALF the cost of insurance is, they agree not to sue you, and everyone is happy (except the lawholes)
Opens up so many options for docs and patients. I heard of one who would charge 2 thousand bucks a year - first 500 patients who pay him get in - and he’ll go everything they need. When their care requires more than he can provide, he’ll hook them up with specialist. He knows he gets a million a year to run his office - no paperwork - and patients get what they need.
Damn, the free market. Who’d a thunk it?