Yes, one of the ways that the limited resource of doctor time will be allocated is to simply have increasing portions of the population see people less qualified than doctors (perhaps not bad from a systems point of view if it is diagnosing conjunctivitis, but from an individual point of view, you can see where this is going.). You pay more, you get people who have met a higher standard of education/experience, e.g. concierge care and direct primary care practices.