Will the destruction be creative?

These arrangements differ from the more common ‘fee-for-service’ model, in which the insurer is billed for each service rendered by the provider. Under this arrangement, the insurer is the one bearing nearly all financial risk.

But cutting out the middle-man is in itself a good insurance policy against whatever reforms the future might bring: In any scenario, there will be people willing to spend significantly on the healthcare industry’s version of a first class flight.

In both cases, providers and patients are working toward their own self-interest given the health care choices they face. Health care providers are trying to make the best living possible by structuring days to see a maximum number of patients, in light of the demands that administrative and paperwork place on their time. Patients and their familie

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