We already have that .. sort of. They're called Health Savings Accounts and by law they're tied to high-deductible policies. Mine is $2500, so I'm on the hook

We already have that .. sort of. They're called Health Savings Accounts and by law they're tied to high-deductible policies. Mine is $2500, so I'm on the hook up to that amount. With some caveats, such as payments for drugs, etc. The good news is that money is yours to keep and use (only!) for health related expenses. So unlike a FSA the balance will roll over to the next year and continue earning interest. The other trend along these lines are concierge doctors. They don't accept insurance, and typically operate on a subscription basis (X dollars per month).