Lol. No. U haven't not at all. U still don't grasp risk management. If a system of managing risk is efficent and makes the underlying risk (actual use of healthcare) less expensive then its not dependent on a mandate.


Direct compensation is expanding because it can carry its own weight outside of the mandated bureacracy of obamacare. In fat, true customized catastrophic care was effectively abolished through the aca.


So essentially what you have is a situation where the most beneficial cocktail is direct pay (concierge) for low to mid level care and some urgent care couple with catastrophic health insurance to cover big ticket items.


What you had was a situation where 85% of the population could afford comprehensive coverage and most doctors were happy to buy it.


Now you have a situation where comprehensive coverage has been made more expensive because of mandates. As a result premiums on mandated comp care go through the roof and as a result deductibles are so high expensive comprehensive coverage only kicks in in a catastrophic situation.


As such some doctors are offering patients an option to combat deductible shock even though their premiums are through the roof.


And the consumer should thank u for outlawing catastrophic coverage and tripling their premiums for nothing?


And u STILL haven't named that tune.

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