[little jeremiah]

I agree with that. I thought that insurance companies offered some kind of "catastrophic" health insurance that was something like what you describe. I was going to look into it.

So it doesn't already exist?

[inquest]

I guess it varies from state to state. I know some states load them up with requirements (maternity, psychiatric care, etc.). Plus, I don't know what exactly is in the federal Health Maintenance Organization Act of 1973.