While there most certainly could exist a market for un(der)qualified doctors, I don’t think I would ever want to use them. Also seems like it would cause healthcare to inevitably become even more class stratified than it already is
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This is why it might make sense for insurance to only cover extreme outcomes where you actually need it (as with most other types of insurance)
and this is why High-deductible health plans exist. Cover only high cost items, pay lower premiums month to month
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But because it's not item specific, you can get fucked if you have a catastrophic event early in the year, etc. – it's a workaround
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