[inferiorhuman]

  Health insurance is undisruptable

Medical practices that may charge an annual fee but don't accept insurance — so-called concierge care are a thing. Not accepting insurance means you can operate with a significantly smaller support staff. Patients with a PPO style insurance plan may even have some of the expenses covered.

[nradov]

Concierge medicine can be a good option for affluent people who can afford it. But it only works with relatively low utilization and won't scale up to address any of the systemic problems in the US healthcare system.

[Projectiboga]

My wife's Doc tried that and quickly came crawling back to their patients who refused the $3,000 "concierge" fee here in Murry Hill Manhattan. If that model can't fly here I don't see where it could. Maybe affluent suburbs w fewer competitors?