[testing22321]

> Kaiser should be selling me an annual plan where everything at Kaiser is covered, maybe up to a point, and then they have insurance-like network relationships with e.g. other ERs in the area, if you need them, plus out-of-area addons for when I'm traveling.

If you’re trying to solve them problem, why on earth do you propose such an expensive, convoluted and strange solution?

Two dozen countTies have solved this. It works very, very well. People pay less and get better outcomes. What more do you want?

[827a]

What I want is simple: For change to actually happen. You don't need to convince me; your choice is either to convince 100M+ unreasonable people, or make a reasonable path. Direct to consumer billing is that reasonable path; that's why we're seeing it take hold in the dental, vision, and pharmaceutical industries. Core medical is next. Specialty medical will follow. Emergent medicine might never change, but that is absolutely an area where insurance does make logical sense.

[throwaway173738]

The real problem is that the insurance companies will find reasons to charge the same amount even though they have no providers in network.