I really don't think you do, but hey, it's your dollar. Do what you want with it.
Personally, I get most of my healthcare from a world-class medical institution, but sometimes I really don't want the best care possible. I had a paronychia (infection around the fingernail that was bugging me). I *could* have gone to my $300 doctor. I could have gone to the ER, which arguably has even better doctors, but with a wait and a $2,000 bill for walking in the door. I went to Minute Clinic. Retail cost: $89. I still just paid my copay, but it made me happy that I didn't overpay for no reason.
I think most people are full of it when they say they want the "best possible" anything without regard to cost. When you actually show people the cost, they change their tune.
I'm not at all for gutting our current medical system, and a capitalist to the core, I love financial incentives. Still, there are some abuses that need to be curbed and people need to stop asking "How can I get someone else to pay for this for me?" and start asking "Why is it so expensive to begin with?". I know for a fact there's a test my expensive provider bills $200 more than a retail provider, where it's something like $20. Exact same test, done the exact same way. The difference? My expensive provider is part of a big medical institute, and you're allowed to bill more for that test "in a hospital setting", even if the patient got the test at his regular, routine doctor's appointment a walk-in clinic.
Sometimes you're not paying for quality or incentivizing innovation. You're just paying more because there's a complicated, opaque system that lets them charge you more.