The Problem With Healthcare Today
When healthcare is managed by a third party, it's a bureaucratic nightmare.
It doesn't matter if it's a single payor like the government or an insurance company, third party management adds a layer of expense to healthcare.
Costly by Design
When providers are paid on a reimbursable basis, they are incentivized to drive up the cost of healthcare
The above problems can be solved by giving you a monthly credit that you choose how to spend.
You could spend your credit on insurance or join a provider group. The group would receive cash flow from your credit each month in exchange for taking care of you.
Paying the provider group directly puts doctors in charge of keeping their patients happy and controlling expenses.
There are already provider groups as alternatives to the current system.
Instead of paying monthly premiums to an insurance company, patients pay their group a monthly fee.