Let's see here......... A person either pays a higher premium (than what they had been paying) for their new BarryCare......OR.......pay their old (lesser) amount to a doctor directly. Seems pretty obvious which way they will go. They will just pay cash to the doctor and tell BarryCare to kiss off. It's already been proven by several people FROM BOTH PARTIES, that a lot of people will see their premiums go UP. So cash would help them keep the cost down.