If you lose your job -- up until now, there have been two alternatives when it comes to your health insurance.

To help protect your pocketbook, most uninsured -- either pay for COBRA or drop insurance altogether and hope for good health in hard times.

But help may be on the way in the form of 'no insurance clubs' that are popping up all over the country.

"These are conscious patients they know they can't buy insurance outside on their own but a program like this covers their maintenance side," Dr. John Stanley said, who is a particpating doctor in the 'No Insurance Club.'

For one person to join the 'no insurance club -- it is $480 a year.  You get 12 doctor visits -- that includes services like physicals, blood work and flu shots.

Minneapolis, MN

If you lose your job, up until now, there have been two alternatives when it comes to your health insurance. Pay for Cobra, or opt for NO insurance altogether, and hope for good health in hard times.

But help may be on the way in the form of "No Insurance Clubs" that are popping up all over the country.

"I had to see the doctor a lot because i had a lot of problems," says Ralph Demicco.

For Ralph, going without health insurance could have been costly because he suffers from type two diabetes. So, when he heard about the "No insurance Club" he immediately signed up.

"These are conscious patients they know they can't buy insurance outside on their own but a program like this covers their maintenance side," says Doctor John Stanley a participating club physician.For one person to join the "No Insurance Club" it is $480 a year. You get 12 doctor visits including physicals, blood work and flu shots.

For families, no matter the size, it will cost you $680 and it includes everything an individual gets except it gives you 16 doctors visits.

"We're trying to fill that gap where they can still come to us for that amount it's a pretty good deal," says doctor Stanley.

Here's the catch; you can only see the same doctor at the same office. But, there are no copays. In addition to preventative maintenance the "No Insurance Club" offers patients the opportunity to get generic drugs for just $4.

The program does have limitations. It does not cover hospital or E.R. visits or visits to a specialist.