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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The insurance layer is a bit of risk pooling (1 of every X0k Masons hits a $100k++ issue this year), a bit of enforced savings disguised as a wealth transfer, and a heaping helping of cross-subsidy for old folks and folks with chronic conditions.
I don’t mind risk-pooling/subsidizing the unfortunate, I just wince at the $XXX-XXXX that *somebody* is paying out every time I get a minor infection or what-not. This seems very silly
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“Nurse practitioners” are non-doctors who can handle all the routine stuff (at a lower price). There’s an ongoing war about how much they should be allowed to do. Smart knowledgeable people tell me that if you get a choice, on average they do a better job than PCP docs.
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Fun parallel to the question of what paralegals/law clerks/legal services should be allowed to do in law, with the same underlying issue of cheap services for the public vs. the usefulness, or not, of restrictive guild rules.
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Agree with Mason, it's not obvious to me that bring the overall cost down contradicts risk pooling. Granted the cross subsidy would be much more obvious if "healthy" people only need to go to EMT and have 1/100th or less the cost of the other cohort.
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**bringing
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