Quote:Health insurance should bar for catastrophic events like surgery broken bones etc. Having normal run of the mill services like stitches simple prescriptions etc. Tied up within the massive bureaucracy of insurers and reimbursements hurts primary care providers by creating inordinate overhead. To combat this they designed concierge practices by which families pay the doctor monthly and he performs basic services. Couple that with health savings accounts and i think that's a foundation for sustainability.