The Risk of High Deductible Plans


A New England Journal of Medicine has come to the conclusion that “high deductibles add to consumers’ financial stress and dissuade some patients from getting needed medical care”.  To that I say…..maybe.  You see, when you are paying a house mortgage payment worth of insurance monthly (ex. $1300/month) then you really try not to go see the doctor because the first $6000 is out of your pocket.  There is no reason for these massively costly plans to have these high deductible.  On the flip side, there should be CHEAP plans that would have a high deductible that forces people to shop around.  That would work.  Now some would still choose not to get the medical care they need but that is their freedom of choice.

The ACA let the insurers rule the roost and we are all paying for it.

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]