Right now, one of the things that is trending, is groups of doctors that cover full range of the human anatomy are banding together and selling shares in health club type thing...you pay x annually and you're covered for most of your health needs.
Huh, that's a novel idea! I'm so glad that someone came up with a great way of making things work in the 21st century!
Since these "health club shares" are so exclusive, let's call the annual payment a "premium" because it's so awesome. Of course, we can't have someone who pays this "premium" going to the doctor too much, so we'll charge them a small amount every time they see the doctor. Let's call this a "cooperative payment"
You know what I just described? Freaking INSURANCE (specifically, an HMO)!! It's not new or novel! Now, here's what was happening pre-ACA:
OK, now that we have our "club", we don't want anybody to actually USE our doctors and make us pay more than we're collecting annually, so we won't let anyone in who has ever had a heart attack, stroke, cancer, or currently has diabetes (type I or II, don't care), is overweight, has high cholesterol, is over 55 or smokes. Now, to make sure that we don't pay too much, we're only going to provide $50,000/year of coverage, after that, you're on your own, and we won't pay for more than $250,000 over your lifetime. Oh, and although we're a comprehensive network for all of your health care needs, we won't cover you for having a baby, get depressed, or need most specialty care. Also, since only half of our subscribers are women, we aren't going to make everyone pay for those icky women's exams, so we won't pay for those either. Basically, you can see your family doctor (make sure to pay your co-payment up front, please!) and then it's on the streets for you!
Does that sound like an awesome way of going about things? Note that all of the above exclusions/limitations are REAL riders that I have PERSONALLY experiences with insurance pre-ACA.
I love how someone can take an old idea, repackage it and then "this will save all of our problems!!"