[unsrsly]

You're making some very interesting and valid points. You've correctly identified that when receiving bundled services you lose the ability to negotiate or comparison shop on the basis of price. This is unfairly combined with a legal presumption that when the healthcare system generates a bill, the bill is valid until proven otherwise. Now, although we probably need more physicians, I don't think the limited supply of physicians is the primary reason for this situation - it's more due to increasing market concentration of health insurers on one side and hospital systems on the other, leading to regional monopolies that don't compete on price. In fact, with the decline of private practices and the rise of hospital systems, physicians receive less than 10% of all healthcare revenue. I can see that you'd like to unbundle your healthcare and regain control over prices, and I think that's a very reasonable thing to want.