Direct Primary Care: A real alternative under Obamacare
I have written about this before and I get endless flack over unimportant details while people miss my main point. I don't know what I did wrong or what I need to do differently, but I am trying again.
I worked in insurance for over five years. I still do insurance related writing to earn money. I have a spiffy technical certificate in insurance stuff (making me a "Certified life and health insurance specialist," at least when I worked for Aflac). So, I think I know whereof I speak and understand this stuff better than most people.
When combined with either a high deductible health insurance or health savings account (to cover surgery, hospitalization, etc), membership in a Direct Primary Care clinic is legally compliant under the ACA such that you will not be dinged with a tax penalty for not having regular health insurance.
Unlike the rest of Obamacare, Direct Primary Care has a track record of actually a) lowering costs and b) improving health care received by patients. The rest of Obamacare is, in my opinion, a shit show and the worst of all possible worlds.
If Direct Primary Care is available where you live, you should look into it. It isn't available everywhere, but is on the rise dramatically -- because it actually works. I am not the only person to think so.