Traditional insurance was originally concieved to pool the funds of many so that when a minority of them needed care, the pool would cover it.

Those days are gone.  

Health insurance has grown so corrupted in recent years, that it has taken the pharmacy world and much of the medical profession down with it.  Despite being filled with capable  professionals, the product is undeliverable to the masses.  The system now causes harm with surprise denials of care, and causes most of the bankruptcies in the US as a result. 

The risk, even for those with extensive coverage, is tremendous.  Not only because of denied claims, but also because of the tremendous amount of hours that getting covered claims paid now requires. 

There is a better way.

The concept of crowd funding has now been proven successful as an alternative to the traditional health insurance-centric healthcare system in the US.

Rather than paying premiums to some massive financial institution which lobbies congress to keep your hands tied, you join a collection real people with similar goals and disposition, who agree to pool funds not for profit, but to transparently fund healthcare for members.  This system takes advantage of cash pharmacies and cash pricing of healthcare itself, making it better for the healthcare professionals while eliminating the daisy chain profiteers of the legacy system.  This is a paradigm shift.

We use it ourselves.  It works: