Question: Is it possible to form a co-op between doctors and patients?

[peacebird]

I have been wondering if there is a direct action that can be taken to cut out the middle man (insurance companies) for routine medical care, and just carry major medical insurance for the big stuff that might happen. Kind of like the CSA (community supported agriculture) idea where you pay a monthly fee, accept part of the risk of crops failing to thrive, & get veggies grown locally... I do a similar thing with local farmers for poultry and meat.

Would such an idea work for doctors as well? With what I pay for insurance each month its not like the doctors would take a cut in salary.
Has anyone heard of similar ideas?