Well said. It seems such an elusive dream doesn’t it?
Though I’ll point out that a concern people have with Cooperatives and pay-as-you-go models is that it seems the Insurance lobby does their best to obfuscate how they work. Will I be covered if I have to see another doctor or travel? Will I be covered when I end up in the emergency room? Will all my prescriptions be covered? etc. I think the better part of the problem is that Big Insurance has seen too it that Insurance feels both required and comprehensive in coverage such that any alternative is to be questioned.