Big Insurers Keep Winning


Remember when we were promised that ObamaCare would increase competition and keep the insurers under control? Well, this just in:

The three largest insurance companies held an average of 86 percent of customers in the individual market last year, up from 83 percent in 2010, when the healthcare reform act was passed, according to a Monday report from the Government Accountability Office.

Remember, how Obamacare was going to lower costs, give you more options and also allow you to keep your own doctor?  How about 0 for 3.

Oh, and I am now paying $14K a year for a shitty bronze plan on the exchange.  Thank you, President Obama.


Douglas Farrago MD

Douglas Farrago MD is a full-time practicing family doc in Forest, Va. He started Forest Direct Primary Care where he takes no insurance and bills patients a monthly fee. He is board certified in the specialty of Family Practice. He is the inventor of a product called the Knee Saver which is currently in the Baseball Hall of Fame. The Knee Saver and its knock-offs are worn by many major league baseball catchers. He is also the inventor of the CryoHelmet used by athletes for head injuries as well as migraine sufferers. Dr. Farrago is the author of four books, two of which are the top two most popular DPC books. From 2001 – 2011, Dr. Farrago was the editor and creator of the Placebo Journal which ran for 10 full years. Described as the Mad Magazine for doctors, he and the Placebo Journal were featured in the Washington Post, US News and World Report, the AP, and the NY Times. Dr. Farrago is also the editor of the blog Authentic Medicine which was born out of concern about where the direction of healthcare is heading and the belief that the wrong people are in charge. This blog has been going daily for more than 15 years Article about Dr. Farrago in Doximity Email Dr. Farrago – [email protected] 

  15 comments for “Big Insurers Keep Winning

  1. Jimboramameister
    December 4, 2014 at 9:58 am

    Can we stop calling it “health insurance”? We don’t have insurance. Insurance is a bet against risk. What we have now is more like the meal plan I had in college. Pay a fee at the beginning of the quarter and I get to eat in the cafeteria without paying for each individual meal.

    • RWatkins
      December 4, 2014 at 11:16 am

      DId you have a 6K deductible on your meal plan, so that you paid at the beginning of the quarter, and then had to pay in full for each meal?

    • December 4, 2014 at 11:25 am

      It is health insurance. It pays off about as well as other forms of insurance, which is, when it is to the insurance company’s benefit. It is certainly not health CARE, which is what Obama promised and failed to deliver (thanks to GOP stonewalling).

      • Pat
        December 4, 2014 at 4:59 pm

        Moss, that kind of kool-aid swilling will give you diabetes. Obama passed this moronic I mess with all Democrat votes when he controlled both houses; the toothless GOP couldn’t stonewall a damn thing.

        Moreover, this stupid lab has not, and will not provide a single new doctor, nurse,or hospital bed, which is where actual care comes from. What the ACA and supporters like you did accomplish was to accelerate bad ideas – eg. mandatory EHR use, ICD-10 – that were already in work, and add to those numerous new expensive mandates that are putting actual doctors and small rural clinics and hospitals out of business. While my the premiums for myself (never made a claim) and my household have gone up over 30% this year, I work with some physicians who have been thrown off their plans completely without warning.

        You are on a blind ideological tear, and have no idea what you are talking about, or the effects you have wrought. You’ll feel better by reciting your good intentions, and seeing that misery is now more widespread, but you won’t dare face the truth.

      • Doug Farrago
        December 4, 2014 at 6:49 pm

        Moss, it must be Bush’s fault as well, right?

        • December 4, 2014 at 7:07 pm

          You are attempting to paint me with the wrong brush. Obama did a lot wrong, including many aspects of ACA. But every non-GOP President since FDR has tried to fix the health care system, and Obama did something. In my opinion, it’s easily at least 40% better than what we had. It’s not what anyone (except the GOP think tank which created the system for Romney) wanted.

          There are a lot of things to blame Bush for. There is a lot to blame Obama for (although the worst things are not being talked about on FauxNews because they are GOP-approved things). But please do not paint me as a party ideologue. If I had my way, Rocky Anderson would be President.

    • Doug Farrago
      December 4, 2014 at 6:48 pm

      Are you kidding me? When you had your meal plan in college you didn’t have to pay a copay to eat every time. You didn’t have another bill every week for using forks, knives, talk to the cafeteria lady and sitting in the facility.

      • December 4, 2014 at 6:56 pm

        I don’t recall buying college meal insurance. I do recall buying auto insurance, and when I make a claim there is a deductible I have to pay. That’s insurance. So is this.

  2. Neurogirl
    December 3, 2014 at 1:47 pm

    I couldn’t agree more! My premium for a high-deductible HSA through Regence/Blue Shield just doubled for significantly poorer pharmacy benefits. I’m up to $19,000 a year for a product I (fortunately) never use.

  3. December 3, 2014 at 12:18 pm

    And there is no global warming because you’re cold, right?

    I am indeed sorry to hear that Big Insurance is winning the fight. I knew that would be the case from the moment we didn’t join the Free World and go to single-payer, but I was hoping that ACA would at least be a step away from the Big Insurance table as so many parts of the ACA were at least improvements.

    I’m sorry you’re paying more for your health insurance. The statistics say that most of us are paying less, someone has to be the balance. You should contact the GOP — every instance they have presented in the National Media of people who wind up paying more has been fraudulent, maybe you’ll be the person to make their case.

    • Doug Farrago
      December 3, 2014 at 1:26 pm

      Your liberal friends are just as bad. And almost everyone’s rates are going up. Your stats are wrong. Single payer would just be as bad. Sorry, man, but the only way is a true free market. It is working in Direct Primary Care for me. I get patients cheaper meds, cheaper pathology services and cheaper radiological services.

      • JRDO
        December 3, 2014 at 2:19 pm

        DPC may be a good thing for some patients and some doctors (and good for them if they can make it work) but it will never address all the healthcare needs of our country. Insurance is still a necessary evil and I do believe our country has a moral obligation to make sure all legal residents can get standard of care treatment for significant maladies such as diabetes and coronary artery disease (but not ED and breastopenia)

        • Doug Farrago
          December 3, 2014 at 4:11 pm

          We need catastrophic insurance only

          • JRDO
            December 4, 2014 at 3:36 pm

            I wish that were true, but my office has it’s share of patients who would not get the non-catastrophic care they need if it were not for insurance. For example: Diabetes on basal/bolus insulin routines, Rheumatoids on Enbrel, Barrett’s Esophagus with need for frequent EGD surveillance, Severe COPDer due to alpha-1-antrypsin deficiency on Prolastin, Macular Degenerates getting intra-ocular injections, etc.

    • Pat
      December 3, 2014 at 10:50 pm

      Moss, that you see nationalized health care as part of “the free world” explains your perspective perfectly.

      I too despise Big Insurance, however … Can you name which of the private insurance companies has the power to subpoena my office records, or impose fines backed by the threat of criminal prosecution? it is frightening and perverse that so many are willing to define ‘freedom’ as the ability to boss doctors and patients around for the common good.

Comments are closed.