Here’s a novel idea, offer health insurance for catastrophic illness only…cancer, accidents, major surgery, etc. Everything else we pay for out of our own pockets. We would then be inticed to shop around for a good general doctor at a good price. General docs would not have to haggle with the insurance companies, bringing down the cost of the office. Make it OK for a nurse practitioner to diagnose things like kid’s ear infections, most of the doctor’s visits I had when my kids were little were ear infections…that would save a lot of money. If they have to refer you out of the general office, then insurance would be used.
