Find a doc who offers concierge service. Usually it’s not anywhere near the cost of a lot of various insurance packages. Pay the docs directly. Develop a relationship. Go when you need to and no more. It’s what we used to do and it worked just fine.
And STOP running to the doctor for every single freaking SNIFFLE!!! If you’ve had a cough for a week ...then give it another week. It will USUALLY just go away . . . if all the healthy people did this, we’d save the visits for those who really needed them.