No HMO's you are required to see their set of providers. Walk in clinics mean anyone can walk in off of the street. An insurance company should never be able to cherry pick providers whom will cow tow to the insurance company. If the state certifies the provider, ie a license to practice, then the insurance co shouldn't be able to say [censored] about it.

"You don't have to have home owners insurance either, as long as you own the house out right. "

Exactly right. And when your house burns down don't come crying to us. So medical should be the same right? You don't carry insurance I don't want to see you anywhere near a doctor or hospital ever right? Die if you must. If so we need to start swearing in medical staff and emergency personnel. No insurance then refuse to treat.