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Jonathan: That’s basically what a union does: negotiate terms of employment in bulk. There’s no reason why “team buying” can’t happen in healthcare without the government’s help.

In point of fact, mutual aid societies in the U.S. and the U.K. were doing exactly that around the turn of the 20th century, through the institution of “lodge practices.” Care from a G.P. under a lodge practice contract typically cost about one day’s wage per worker per year.

Until the government and the government-backed doctors’ guild destroyed them, that is.