My family doc continually *itches about insurance - liability and the paperwork involved in getting a claim paid.
He just went "concierge" last year, went from 2400 patients to 600. The 600 kick in 1500/yr just to see him (our insurance pays this!). He says he's busier than ever now. His hours are longer, works Saturdays, and the 600 have his cell phone #.
At least he has small fingers.