For an annual fee of just $480 for singles ($580 for couples and $680 for families) The No Insurance Club offers affordable pre-paid health care plans that cover basic medical services from a participating board-certified physician, with no deductibles, no additional premiums, and no co-payments. Services vary slightly depending on your location, but a $480 individual plan with this Atlanta physician covers 12-16 annual office visits, flu shot, pregnancy testing, EKG, an annual checkup, one sports physical, vision test, among other services, see full list here.
The No Insurance Club creates an entrepreneurial Internet marketplace where patients and doctors can enter directly into a patient-doctor relationship, without going through a third-party. Prices for basic medical care are completely transparent, and patients receive most basic health services cheaply. They can still get catastrophic health care coverage separately at competitive, reasonable rates to cover major medical expenses.
Meanwhile, the doctors in this direct arrangement with patients can unshackle themselves from the bureaucracy of insurance companies or the government (Medicare and Medicaid), and they no longer need to have basic procedures approved by an insurance or government bureaucrat. Physicians are no longer burdened with having to send in mountains of bills to insurance companies and Medicare, and carry a collections department to make sure the bills are paid. So it's a real win-win outcome for both the patients who receive affordable health care with transparent prices, and the doctors who are now in a direct medical and financial relationship with patients instead of with insurance companies or the government.
So while Congress debates a government takeover of the entire U.S. health care system, entrepreneurial businesses like The No Insurance Club are providing health care to Americans for about the same monthly cost as a cell phone. Oh, and do you have any pre-existing conditions? With The No Insurance Club, that's not a problem.
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