What would you say if you were given the choice of paying $150 a month for health insurance via a managed care PPO or paying $180 a month to buy a medical membership into a concierge medical practice? Here's what a membership to a concierge medical practice would give you: *24/7 access to your physician *A guarantee of either same day appointments or being seen in the next 24 hours *Spending more time with your physician when you see him *Cheaper rates for lab work and xrays, since in concierge clinics can get these cheaper by cutting out the middle man Concierge medical practices typically limit themselves to less than 500 patients per physician. In fact, I recently read that the national average was around 350 patients per physician in a concierge practice. Because of this, instead of the typical 10-15 minute appointments you currently get with your doctor, you will get to spend 45 minutes to an hour with your doctor. What this extra time allows is a more detailed discussion between you and your physician about your medications and your health. You have more time to come up with a detailed medication plan, nutritional plan, and exercise plan that promotes your overall health and wellness. The early data on concierge practices is that there is 79% fewer hospitalizations for patients who are part of a concierge practice than there are with patients who are in a traditional practice these days. Also, the fewer number of patients means that you will be seen when you are sick. As a result, you don't have to wait 2 months to get an appointment with your physician, and you don't have to go sit in urgent clinics where 3-4 hour wait times are the norm. Essentially, instead of health insurance, you can use that money towards what I feel is a better plan for you overall. In the concierge model, the decisions are made by you and your physician. Not some pencil pusher that works for an insurance company or works for the federal government. You can also save money by purchasing a catastrophic health insurance plan that has a high deductible but is very manageable to pay for, just in case something does happen to you that is going to run an enormous hospital bill up.