Was just thinking that there should be doctor clubs, where a bunch of people pool their money to hire a dedicated general physician. Or to have a shared tailor, or group cafeteria, or whatever.
The ratio of people covered to specialists would probably determine whether it’s feasible. You’d want the specialist to still get paid a healthy (and guaranteed) salary and to have a more satisfying relationship with customers. And the members of the club to get better service / product than they would otherwise with middlemen taking a cut.
I don’t pay anything. I could have the one hundred per month plan and have the 250$ deductible as well or similar etc, but then my employer would be paying like 600-800 per month I believe so yours is actually more expensive as far as the whole system is concerned.