A. The current healthcare process is very inconvenient, very costly, grossly inefficient and benefits mostly the insurance company. Using direct pay solutions, patients can bypass the endless insurance rules, restrictions and profiteering middlemen. Plus, most healthcare needs can be delivered affordably through doctors’ offices and outpatient clinics without the need for health insurance. Returning to consumer-directed choice for healthcare can actually help reign in out of control healthcare costs. Consider that this process is already working well for most, if not all, cosmetic, weight-loss and infertility care services. Consequently, because customers pay for these services, providers are strongly incentivized to offer competitive prices. For the most part, this approach to doing business has resulted in a dramatic reduction in care costs. If cost-transparency and market forces were used in the delivery of routine as-needed, non-emergency care, their costs would also likely be driven down. With a realignment of health insurance plans to cover only childbirth and catastrophic events, healthcare consumption would return to being driven mainly by patient need and demand.