Independent Personal Medical Care

The medical insurance industry bureaucracy is an idiocracy.
Imposing it on primary care leads to decreased access, higher costs,
more defensive medicine, and overuse of specialists.

Primary-care clinics without the idiocractic load of the
insurance companies can provide very affordable care. The
consumer should decide whether he wants “luxury” care or not.
Various models are available. People should consider using a
Health Savings Account to cover primary-care expenses, with the
added advantage of building retirement savings—and protection
from the impending implosion of Medicare.