Most of us think of hedge funds as a Wall Street or banking maneuver that skates close to the edge. But actually anyone in possession of insurance of one sort or another owns a hedge fund. A hedge fund is a pool of money that is reserved or protected in the case of a bad period or investment. So life insurance is a hedge against the time of your death, auto insurance is a hedge against an accident or other catastrophic occurrence, business insurance is a hedge against law suits or other such things and health insurance is supposed to be a hedge against catastrophic accidents, illnesses or injury. It was never supposed to be the go to for the health equivalent of oil changes and spark plugs in automobile maintainance. So why when almost every state has Good Samaritan law that cover clinics as well as hospitals have we bought into the myth that without insurance one can't get health care? There have been instances where doctors have opted out of accepting insurance (especially government provided) and have been able to reduce their fees by 25% or more. They will provide anyone with the necessary information for the individual to file a claim with their insurance should they so desire but the doctor's staff will not be tied up with doing the paper work of initial filing or disputes.