Make your local hospital -- be your primary hospital, this is ALSO you're insurer. They tell you what doctors to go to, etc...but they pay for things when you're traveling too...so its in other hospitals' best interest to have okay rates so they all pay about the same and not crazy.

The hospital benefits because: Nearly guaranteed and predictable MRR based on monthly premiums (income based maybe 4% or something)...a lot less billers all around, etc.