What if your doctor also sold insurance, would only write a script at one drug store, or attempted to influence where you got groceries by telling you what to eat?

Not only that, but no other industry, other than doctors are responsible for other people's lives like we are.  

if we elect to shop on the market place for something competitive based on our actual need for doctor visits (besides delivery and baby checkups, we are both rather healthy adults) it seems so overwhelming trying to navigate all the options....deductibles, co-insurance, hmo, ppo, in network, hsa max out of pocket...im confused!!

This is why doctors appointments and air travel have odd times.

I'm not a doctor, but discussed with pest guy who said could be mosquitoes, spiders, possibly bed bugs, not sure. 

Doctors are not super-human. 

These travelers are often nurses, doctors, traveling businessmen people, or people coming to Phoenix for a short stay for a specific purpose.

We also have a STR, but next year we found a solid tenant (doctor) that wants to rent it long term at a small positive cash flow. 0% credit card debt once the adu is finished, and thanks to Biden student loan for wife will be gone. 

My Doctor had been telling me for about 30 years that I was doing well.  

Then know that all of it relies on your hard work to implement, you should know all of your scripts and responses because you've rehearsed them endlessly.