At current on the bronze level (least expensive) I would pay 250 a month roughly with a 6000 deductible. I remember walking out of blue cross thinking screw u fine me. That means a supplemental 500 a month for my on care. A concierge practice would only cost me 100.


What we propose is a hybridization where the insurer has the same risk dump for primary care (the deductible) if the insured has a concierge plan. That's 400 a month in real dollars and infinitely greater value based on the concierge model and the insurer can still cover scripts or the care provider can provide them at a discount.


Also, the 250 can further be cut because under that system they would be responsible for 100% of doctor visits and emergency care after the deductible. This gets cut out. You should also be able to customize insurance plans. I don't take drugs. No need to pay for addiction counseling. No history of mental illness. No need for mental health. In male, no need for prenatal care etc. Etc.


The more diverse the risks that have to be insured the more complex and expensive the bureaucracy, and the higher the premiums.


Also, concierge practices are relatively new. Their growth corresponds to their increasing availability. Just bevaude the government didn't outlaw it doesn't mean it gets to take credit for innovation.


Last point, as I have stated before Social Security was created While open ended investment companies, or mutual funds, we're still in their infancy. This may turn out to be the single greatest Actuarial mistake in the history of History. Let's not make another.

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