It sounds like the business model of the local gym--everyone pays every month, but most people don't go every month unless they have an ongoing health issue. In

It sounds like the business model of the local gym--everyone pays every month, but most people don't go every month unless they have an ongoing health issue. Infrequent users subsidize the regular users. But then, group health plans basically do that, too. So it seems a little disingenuous for him to say it's not an insurance plan, when it's basically the same. He's just administering it for only his office.