[wyldfire]

I think it's the exact inverse of what you describe. The article describes something like a subscription model for the oil changes that also satisfies the legal requirement for health insurance under 26 U.S.C. § 5000A. The enormous liability and collision part of auto insurance in this analogy is not covered by the plan described in the article.

On one hand, it seems like a great idea for those whose employers don't provide subsidized insurance coverage. If it's truly affordable, it should allow more people to get routine care. Especially for women, who generally need more routine doctor visits than men. OTOH the things that bankrupt people are hospitalizations and real insurance plans are generally there to help mitigate that.

[Spoom]

The last paragraph of the linked blog post mentions that it should be combined with an HDHP to cover things like hospitalizations.