Cash only doctors
http://money.cnn.com/2013/06/11/news/economy/cash-only-doctors/index.html
Insurance is not a scam. It still has a role but it not meant for everyday expenses.
It seems like very high deductible insurance combined with health savings accounts would be the way to go.
I read some piece from 2015 where a guy from California got fed up with the rates and told his wife (p-t tax person) to figure out a new way of doing this. He wasn’t going to keep paying increased rates.
So she went and talked to the finance lady of the clinic that they used. The finance lady opened up a book and read off the alternate deal....cash or debit-card only. So, the clinic would give you a 25-percent discount if you went this direction. Lab stuff? Same way. They would even open up the clinic on Sat/Sun mornings for two hours just for cash/debit card customers. They even had a private hospital in the area that would be the point if you needed in-patient care....same deal 25-percent off.
So the wife made the husband take the $16,000 a year that he was normally paying for care....go into one special account with two debit cards. The negative of this is catastrophic care and enormous costs. But the couple and their kids had used roughly $3,000 of care over the past three years and really couldn’t see any logic for the continuing trend.
I personally think that health insurance should have been broken up into in-patient and out-patient (catastrophic situations) and the bulk of the public should have signed up only for catastrophic care only.