I think that the future is direct primary care tied with catastrophic.
Much, much cheaper, but covers you in case of something serious like cancer, car wreck, etc.
http://www.medicaleconomics.com/money/value-direct-pay-monthly-fee-physicians-and-patientsSNIP:
There are two big differences between a traditional and a direct primary care (DPC) practice:
The doctor is paid directly by patients, not insurance (or other third-parties)
The patient doesn’t pay for office visits, instead paying a low monthly fee (typically about $50 per month).
The monthly payment is enabled by the freedom from insurance billing and codes, so the two changes are tied closely together.
https://www.nwitimes.com/niche/get-healthy/health-care/portage-doctor-doesn-t-accept-insurance-charges-patients-a-monthly/article_f1e57991-6878-549d-baf3-3252c81d1610.htmlSNIP:
Ames said the typical practice has overhead of more than 60 percent, has to see 20 to 25 patients a day and has a patient load of 2,000 to 2,500. By comparison, direct primary care offices have overhead of less than 30 percent, don't need to see a set amount of patients per day, and have 500 to 700 patients.
Ames' subscription is $20 per month for children, $75 for adults aged 51-64, and $50 or less for all other adults.
https://www.wral.com/patients-pay-monthly-fee-not-insurance-co-pay-to-see-raleigh-physician/15185869/Patients also can get lab tests, medical procedures and even prescriptions on-site, often at prices that are lower than insurance co-pays.
"I take two kinds of blood pressure medication. Before, they would cost me $43 for a month, and now they cost me $11," Smith said.
Walsh also noted that she can provide patients with a powerful antibiotic for sinus infections or bronchitis for 25 cents instead of the $25 usually charged by insurance because she negotiates directly with lab companies and pharmaceutical suppliers. When she tells them she's not working with insurance, she said, they give her a low price.
http://privatepracticedirect.com/new-kind-doctors-office-charges-monthly-fee-doesnt-take-insurance-future-medicine/