Most medical billing is far LESS transparent than a $200/year annual fee. Seriously, if you break your leg call around and try to get quotes for cost for a diagnosis and standard set and cast. You literally in most cases WILL NOT be able to talk to ANYONE who will give you this info or is willing to spend time quoting you.

Even worse, you will get a random set of bills from random providers - making it VERY hard to track what ties to what where.

Basically - if you are cash payor - you will show up and pay what they surprise you with at the end. A lot of folks going to one medical have insurance - they just find one medical MORE transparent.