HMOFIX

A FREE-MARKET SOLUTION

TO THE HMO PROBLEM
"But it's so expensive!  I'd have to buy hundreds of thousands of dollars worth of life insurance to make sure my HMO really cared about my health."
Absolutely true.  Nothing comes for free, and the more you spend on life and disability insurance, the better care you would receive.
The money you spend would be working for you twice; it would insure you in case of disability, and your family in case of your loss; and in the meantime it would be safeguarding your health and well-being.
You may also want to look at "I don't have enough money to buy that much insurance."