a buddy of mine is very pleased with his current health insurance. he pays $4000/yr and gets $1000/yr of services. seems like a great deal to him. another buddy of mine doesn't have health insurance. his family goes to the doctor as needed and they pay out of pocket. he's adept at negotiating a fair price. the money they've saved has paid for their house and their acres of land. i mean completely. he has no mortgage. all this got me thinking. it seems like there's a need for an honest middleman. their task would be to drive down costs. i pay for my health care as i go. usually this puts me at the mercy of the provider. cause when i'm in the hospital i'm not in a position to negotiate the cost of the services. much less threaten to go somewhere else. enter middleman. imagine a superhero type with a giant M on his chest. suppose the hospital wants to charge $500. middleman uses his bill shrinking super power and makes them accept $200. i'm so happy i pay middleman 20% of the difference ie $60. oh man. i'm gonna be so rich.