I agree! I am now grown up army brat and I miss that part of the military. It worked just as well as this pay system. Now the military has their own version of HMO for retiress and their families but the charge is like $300 per year not per month with very few copays and those are for hospital stays.
But the insurance company is left out of it. and you can't sue the doctors. I wonder if behaviors would change if the doctors didn't have insurance companies to back them up.
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