It might seem difficult to believe that paying for medical care directly, instead of through insurance, actually saves money. Most people dismiss the idea once they hear “no insurance.” They think since they have insurance, this model doesn’t make sense for them. But medicine still follows this basic economic principle: the more middlemen you add to a transaction, the more that transaction costs. On a practical level, saving money through DPC translates to finding a trusted provider to handle your routine and preventative health, then tailoring your insurance coverage needs for the mid and high-dollar costs. (When comparing plans, it’s important to pay close attention to the deductible and out-of-pocket max.) Here are some examples: 43-year-old single adult male KY public school teacher Gold Plan costs $114/mo with a $2500 deductible (OOP max $2500) Monthly cost = $114 + copays High deductible plan $14/mo w/ a $2500 deductible (OOP max […]