this post was submitted on 19 Jan 2026
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waiting for a medical group to bypass them and collect premiums directly. if only to end insurance paperwork costs. it is a drag on everyone's bottom line. aside from price distortions.
A couple of my doctors did that before I left the US in 2021. They stopped accepting insurance and started charging a monthly "membership fee" that would cover a certain number of visits per year.
My parents are part of a clinic exactly like this. I legit thought it might be a scam at first because "how have insurance companies not shut this down?"
It sorta works for kaiser - they administer the insurance and the hospitals. Very convenient for people who both have the insurance and access to their facilities.
Nowhere near as good as a single payer system of course.
I don't love Kaiser - the prices still suck. But they sometimes suck less, and their system is far more streamlined than I've had with other insurance providers. Still ridiculous to be trapped in a system with no control over or transparency into costs.
It would convert nicely enough to a single payer. Granted costs might suck but if they were just absorbed into the system, I wouldn't really care. I could at least believe they are trying to be efficient. As it is, I'm left believing I get charged as much as they think they can get away with. And wth else am I going to do? Kaiser is much cheaper than my employer's other option (there are literally 2), and I've had the other before. It just sucks (slightly) differently.
I've seen it with dentists, they have a membership plan that covers cleanings and certain things which can be useful and affordable if you don't have access to affordable dental insurance.
I have something like that, sorta. I work for a very tiny company (literally 4 people), and so we couldn't get a good insurance plan that covered vision and dental because insurance companies suck ass.
So my dentist has a thing where I pay a single price once a year and get 2 cleanings out of the deal. Though anything beyond that is still out of pocket.
Horrible place for a conflict of interest
conflict with insurance interest in taking your money. nurse i know spends 2 hours of insurance documentation for every hour on actual nursing.
I’m not claiming that’s a good thing but I’m fine with my medical provider being incented to provide proper care and to get everything they deserve from my insurance. I would not be fine with them being incented to provide only the care I can afford right now or being incented to maximize how much I’m stuck paying
the calculation i try to do. total insurance payments for a year minus healthcare received equals profits wasted building bigger office buildings and yachts for insurance execs. i'll bet you a hundred dollars a month your house won't burn down. or the extended car warranty scams are also same deal. house always wins because people don't have common sense to save money for 'rainy days'. schools don't teach basic finance.