The short answer: insurance complicates everything. Insurance was originally intended for catastrophic incidents, kind of like car insurance. You don't get car insurance to pay for your oil change or new brakes. You get car insurance to cover you and your car if you are in a car accident or have hail damage. That's how health insurance SHOULD work. It should be for the big things. Primary care is the same way. When insurance starts to cover the day-to-day health concerns it begins to get very expensive.
By not accepting it we are able to provide more affordable, accessible and higher quality care all at a lower price. We are able to be there for you when you need us because we are not covered in red tape.