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'been done before--' called "Blue Cross/Blue Shield!" . . .---LONG SINCE "taken over" by the "legal profession." The Solution is Medical Savings Accounts (see Steve Forbes Website). Reibursements for Medical Care has been "Price Fixed" in our " Market Economy" for 30+ years! It's a "Testament" to the Altruism "Trained Into" American Docs that it has taken This Long for even this "minor revolt!" Nearly All 'Docs have been forced to absorb a ~ 30% Gov't/insurance Industry CUT in income over the past 10 years (but NOBODY has cut their 10%/year increasing "overhead expenses!) You Now are facing the VERY REAL PROSPECT of "Third World Medicine!" TANSTAAFL!! Doc