I used to process accident claims. I have a certificate from a technical college that entitled me to the spiffy title of "Certified life and health insurance sp

I used to process accident claims. I have a certificate from a technical college that entitled me to the spiffy title of "Certified life and health insurance specialist." If you can find a local Direct Primary Care provider, that is a "legal" option under the ACA when combined with a high deductible plan (or possible a health savings account). I have some info here: http://micheleincalifornia.blogspot.com/2015/12/how-to-fix-americas-financial.html http://micheleincalifornia.blogspot.com/2015/12/how-to-fix-a... From what I have read, DPC reduces costs while improving care. Part of how it brings down costs is a) better maintainance care so health issues don't spiral out of control and b) cutting out the middle man of insurance. Costs are lower in part because you pay the clinic directly.