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Can't understand why health care isn't more like homeowners or auto insurance. Pay for you annual and basic medical care, sprains, strains laceration needing a few stitches and minor broken bones Pay the Doctor directly. We pay out of pocket for basic home and auto repairs we pay directly to the carpenter, plumber, electrician or auto mechanic.

The health insurance should be for the things that happen that are catastrophic. And the insurance pays for all of it no exceptions. Like when a house burns down or car is totaled.