Almost Too Good to Be True: Health Insurance for $149/Month, Zero Deductible

Well this is quite an ad for Forward, but Forward isn't insurance, last I checked. They don't pay for the services they refer you to outside their network. And since they don't provide surgery or ER services, they can save most of the costs. It's a PCP subscription, but one that's far more expensive and somewhat higher tech than, say, One Medical (not strictly comparable, as One Medical still charges you or your insurance per visit[1]). Maybe Forward includes labs (One Medical includes the phlebotomist's services, but not cost of the test), in in that case this might be worth it for some people, but in general you'll need catastrophic insurance on top of this.

[1] not quite: they don't charge for doctor-requested followup appointments.

Now if I could get a $150/month discount on my other insurance for having Forward, then that'd be something appealing. But I won't hold my breath.

This isn't health insurance - this is pay-per-month primary care, something which has been around for some time now. This doesn't cover ER visits or surgery - which is why most of us need the insurance (health or otherwise) - in case of an expensive disaster.

Are there any medical plans that only cover accidents and child births? Most young and middle aged people I know are healthy and probably will benefit from such plans.

I don't get it. I still need to have a health insurance through which I already have a primary care provider. Why do I need to buy this then?

In my country, I pay $35 per month for health insurance, and get much more coverage. Reading about American realities is like reading a horror novel :)