WHY DOCTORS are bailing out of health insurance. I can understand. My wife and I will soon be joining a 'concierge plan' at a cost roughly similar to that described in the post.

Catastrophic care is a problem, but for us, at least partly solved by Medicare Part A, which we can't get out of anyway. My expectation (read as hope) is that insurers will eventually step in with AFLAC-type insurance plans, which will simply pay a fixed flat daily dollar amount for every emergency room/hospitalization visit.