Doctor with piggy bank Noreliable data exist on how many people are replacing insurance withalternative arrangements, but the trend appears to be gainingmomentum.(Photo: Shutterstock)

When their son Sky was born four years ago, Lindsie and ChrisBergevin were hit with a big surprise: $7,000 in bills for the birth that their health plan didn'tcover. Sky was two when the couple jettisoned their medical insurance, whichhelped them eventually pay off the debt.

Now that they're ready to have a second child, they're not goingback to their old coverage, with its premiums of more than $350 amonth. Instead, they've patched together an alternative through areligious group and a primary-care doctor whom they can visitanytime for a monthly fee.

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