I own a medical clinic with my brother who is a physician. He has opted out of medicare and medicaid because of the increased overhead and cashflow issues that

I own a medical clinic with my brother who is a physician. He has opted out of medicare and medicaid because of the increased overhead and cashflow issues that are incurred when dealing with the government. Instead we charge $50 per month for a base membership to the practice and bill patients slightly above cost for labs, and supplies. I think this will be the model for most Americans in the future. Most medical costs are not emergency related and people just need someone to give a quick medical opinion when they are concerned. For people with a chronic condition like COPD or diabetes they get a monthly visit have their vitals checked and can come back next month without paying crazy high fees. For emergencies, people usually also carry a high deductible plan so they are only using insurance for costs that can't be paid out of pocket.