1) I can join a physician group as a patient, and pay as needed for office visits, labs, and meds, while getting a high-deductible insurance policy for most everything else. I spoke to a neighbor, who is a GP, about this prospect, and she discouraged me from signing up to her eight-physician practice thanks to the large numbers of new patients they are already enrolling thanks to Obamacare. Also, it is unclear but that Obamacare will functionally make this illegal anyway.

2) I can sign up for concierge medicine, and as with (1), buy catastrophic insurance to pay for high-expense, low-likelihood events. There appears to be an AMA-derived carve-out exempting this from the insurance purchase mandate.

3) I can join a traditional PPO/HMO as an individual, i.e. Blue Cross/Blue Shield, or some other insurer.

All three are pricey, from what I can tell so far, but the hard part is even trying to find a high-deductible plan that isn’t obscenely overpriced — or, at all. Obamacare is already making medicine notably worse, while actually driving real costs up.