Since this an <authorized> topic mod, let me ask how we (as citizens) might go about displacing 'insurance" companies?
No love lost there, but to use the technology term, how do we go about dis-intermediating such companies who are not providing medical care from actual providers?
Short answer -- pay cash.
More reasonable answer -- buy a high deductible policy (possibly tied to a HSA), and pay first dollar expenses yourself up to the deductible. Then the insurer only has a say if you have major expenses.
Best answer -- hold the insurer responsible if their coverage decisions adversely affect your health, just like you would every other decision-maker in the healthcare process.
