I use a high deductible plan and pay out of pocket for a direct primary care provider. I realize this option isn't widely available or even sustainable for the economy as a whole, but it's a great option if you can get in. My doctor is easily available (because his client roster is small) and my common visits are all rolled into a flat rate subscription. I pay $85/mo for this.

The reason it costs less is because there are no administrative staff at all aside from the receptionist. interfacing with insurers requires an entire back office of non revenue employees that DCPs do not need to bother with.

You can also save a lot of money in HDHP by ordering your own tests from a reseller like ownyourlabs instead of having the hospital doing it, especially if you like doing annual preventative tests that may not be medically necessary. I bring the results to my dpc doctor for review and it's all very convenient.