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This seems like a good idea but if you get sick and have to go to a hospital or you need surgery then your not covered by them so you would need hospital insurance through someone else and does anyone offer just hospital insurance? Could this approach be extended to provide full coverage? Of course, this is getting back to what Hillary Clinton's committee proposed long ago which was based upon the idea of achievable benefits. Physicians fill out a form which indicates what they accomplished for the patient (one page) and you throw the rest of insurance out the window. That's essentially the system in England or it was last I checked.