I actually like this idea

Money Magazine in the August issue contained an article about the number of doctors no longer accepting insurance, cash only. The number is increasing quickly and now stands at about 6%, which is actually a high number if you think about it. The staff necessary to handle the insurance and government paperwork is huge and the paperwork load is getting worse. Not accepting insurance cuts costs substantially.
Many are now charging a monthly fee for service, including unlimited access to doctors in the practice and all office procedures. Patients are asked to continue carrying a high deductible policy for major circumstances that can not be handled by the group.
To me if a person is now paying hundreds of dollars per month for health insurance why not pay the doctor group a couple hundred per month and buy the high deductible policy in case you were to get some serious disease? Makes perfect sense to cut out the middleman. This may be the way of the future, much to the dismay of the politicians who would like to control your health care. I could even see company insurance going this way for employees.
Ken