Healthcare is expensive and inefficient because the seller and the buyer must pass their interactions through a for-profit third party that has no responsibility to either the buyer or the seller. It's the same reason a divorce can be had for $400 in filing fees but a contentious divorce can be millions.

Three sides to every story

Concierge medicine is basically cutting the insurance company out of the equation. Unfortunately it rarely covers catastrophic events, trauma, any of that stuff you tend to have insurance for. We knew a few doctors in LA that offered concierge service, and we've looked long and hard at it ourselves. Why? Because you get to charge a monthly that you pretty much never have to provide any services for and the people who buy it are rich as fuck. Somebody who says "I'm going to pay $50 extra a month so that if I need to go to urgent care it's free" is a hypochondriac, not a genius. Make the umbrella big enough to cover the catastrophic stuff and suddenly you're Aetna. Ain't no concierge service gonna do shit for you if you develop cancer or lupus or MS.