[atlasmd]

That is a fair point - any major hospitalization and you're over your deductible anyways. But the insurance statistic is that about 87% of people with a 3k deductible will reach that in a given year and <95% of people with a 5k deductible will reach that in a given year.

Which means, families are paying more than $1000/mo or 12k/year for a risk thats rarely over 5k. Which means they can decrease their insurance coverage, save $500/mo on their premiums, and save more money each year than their increased deductibles would be.

Plus, our direct care models saves them on the majority of care most people need in a year.

i've been a direct care doc since 9/2010 and happy to answer any questions. to (quickly) define the model: $10-100/patient/month for unlimited home/work/office/technology visits, no copays, any procedure we can do in the office is included free, and wholesale savings on medicines, labs, imaging, pathology of up to 95% (yes!)

We can then take all of this value and go back to an employer and help decrease insurance costs by 30-60%.