> Another for routine things, but as others have said, routine things shouldn't be so expensive. This is basically a subscription. But this is also how health

> Another for routine things, but as others have said, routine things shouldn't be so expensive. This is basically a subscription. But this is also how health insurance already works in part today. A certain portion of your premium is paying for routine doctor's office visits - the insurance company is basically just acting as a payment processor for this portion of your healthcare expenditure. You could separate it from health insurance, but it likely won't make a huge difference in costs or access to care.