By taking yourself out of the traditional route of insurance-based medical care, where physicians are burdened by too many patients and limited time with each patient, you are eliminating the stress of paying a premium you are afraid to use because of high copays and deductibles. Just having insurance doesn’t mean you have good access to health care. The average family spends $17,000 annually paying for health insurance premiums. With concierge medicine, patients choose to sign up for a high-deductible insurance plan, where premiums are low, but catastrophic/hospitalization coverage is still in place. Patients then portion out their annual membership fee for their own personal, concierge physician, who offers unlimited office visits, without additional copays.