(NaturalNews) A growing number of people are rejecting the idea of health insurance payment plans that take away their money each month, even when they don't use the medical system. People are learning that it is better to save their own money for a medical emergency than allowing a health insurance company to suck them dry month after month only to require a large deductible when a medical emergency does occur.

Now that the Obama Administration is forcing people to buy health insurance or be fined, people are desperately looking for better ways to save for a medical emergency and take care of their own health. Many people like the idea of healthcare savings accounts that give individuals more control over their own money and how it is allotted. Some employers will even contribute to employees' health savings accounts, providing them with a workplace benefit.

If a government program truly wanted to assist people in getting affordable health care, perhaps they would stop forcing the outdated idea of health insurance payment plans and instead encourage individuals to be in charge of their own health and their own health savings account.

Health savings accounts put individuals in charge, allowing for better preventive care

Health savings accounts would be an exceptionally good idea especially if the money could be used to purchase organic whole food supplements, medicinal herbs, heirloom seeds for growing nutritious food, water filters, midwifery care, chiropractic care, yoga classes, and all of the wonderful-yet-suppressed methods of healing that would ultimately keep medical intervention costs down.

Instead of throwing money away into the black hole of health insurance companies, Americans could be in charge of overseeing where that money is spent. The broken medical system could be restored from the ground up. The health savings accounts would allow greater freedom and encourage personal responsibility. Allopathic doctors and naturopathic doctors could be accessed equally with the money, allowing people to choose what works best. Health insurance plans control and favor specific industries within the medical system. For example, instead of being forced to undergo poisonous chemotherapy because that's all that is covered under insurance, a person could find alternative doctors that would work to maximize their cellular energy, caring for all of their body's systems.

Affordable, door-to-door healthcare emerging that values health savings accounts over health insurance

Health insurance is such a joke that some companies aren't accepting it at all anymore. These companies are approaching healthcare the old-fashioned way by sending doctors straight to patients' doors and charging flat fees. Instead of taking health insurance and charging high deductibles, the companies charge a simple, honest fee for their services.

The companies are also using computer apps to make the medical house calls easier. One company, a startup called Heal, charges $99 for a house call or $200 for a family checkup. The company operates like a mobile urgent care clinic and deploys fully trained doctors straight to a patient's front door to treat anything from strep throat to lacerations that need to be stitched. Heal, which is based in Los Angeles, even promises to have a doctor "to your sofa in under an hour."

Another company, New York City's Pager, uses Uber to dispatch doctors and nurses for just $200. Minneapolis-based RetraceHealth consults with patients via video for a simple fee of $50 and deploys a nurse practitioner for $150 if hands-on care is needed such as blood draws, ultrasounds, or throat swabs.

Another company in Atlanta, MedZed, sends out a nurse to the patient's home to conduct a preliminary exam. A doctor is consulted via video to create a treatment plan for the patient. Most of the companies are ditching health-insurance-controlled care and accepting payments from health savings accounts instead.

The influx of in-home visits are already reducing unnecessary ER visits. Hospital systems and investors love the idea and are partnering with the startups companies.

Door-to-door doctor house calls and straightforward pricing might be the start of better things to come in America's bloated and contorted healthcare system.

Sources for this article include:
WSJ.com