"What we need is a system where not everything goes through insurance. This scare of having mandatory insurance is the root cause." I think providers should no

"What we need is a system where not everything goes through insurance. This scare of having mandatory insurance is the root cause." I think providers should not be allowed to bill patients any more than what they would bill insurance companies. Period. Also, they should streamline 'accumulators / indemnities", which are dirty insurance tools designed to not pay. Copay was simple enough. But now we have co-insurance, deductible, out of pocket cost, out of pocket maximum, health savings accounts, family vs individual deductible and/or maximum out of pocket, etc. Nobody really understands this. We should have two things: percentage-based co-insurance payment where insured people pay percentage of the service, with adjustments for people who have pre-existing conditions.