Preexisting Zip Codes


Remember how Obamacare stated that “no insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.”  Well, right or wrong, that has helped make the cost of insurance skyrocket.  But it’s fair, right?  Maybe.  I mean one could debate whether they should pay for the inhalers of a smoker who still won’t quit.  But let’s not argue that today. I want to bring up another shell game trick that Obamacare has created. I just found this:

Two studies released Tuesday show wide geographic variation in Obamacare price increases seen this year, and in those proposed for next year. Although there are plenty of double-digit prices being proposed, that isn’t the case everywhere.

The studies underscore that the amount people pay for their Obamacare plans is often strongly related to where they live. They also show how much lower the price increases can be for a customer who switches plans within the same Obamacare “tier.”

So, let me get this straight, people were screaming about how unfair it was charge more to patients with preexisting conditions but it is okay to charge more if you live in the wrong zip code?   You may claim that this is just gouging the rich (which is bogus and discriminative as well) but that isn’t true either. The study noted that the range of increases spanned from a high of 41.8 percent in Oklahoma, to as low as a 12.1 percent decrease in Indiana.

Why is no one protesting this?  Why is no one bringing up the hypocrisy of not being allowed to use preexisting conditions as reasons to increase insurance rates but using preexisting zip codes are fine?  The reason is because the media are biased and/or idiots. That is why you need to keep stopping by here at Authentic Medicine.

We’ll always set you straight even though we are biased and sometimes idiots as well. At least we admit 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] 

  4 comments for “Preexisting Zip Codes

  1. Pat
    June 1, 2016 at 8:34 pm

    Why do so many who are unwilling to trust the market nonetheless run into the arms of government to arbitrate each little and small decision and arbitration?

  2. Rich
    June 1, 2016 at 9:16 am

    The underlying prices reflect both the patient mix in a given risk pool (product mix) and more importantly the underlying cost of care delivered which we have known for decades varies wildly by geography.

    • Doug Farrago
      June 1, 2016 at 10:15 am

      And the difference for charging more for pre-existing conditions is………

  3. June 1, 2016 at 8:27 am

    Strangely, by trying to avoid discriminating against the ill they are now discriminating against the healthy. Due to these changes and the skyrocketing costs, I have seen many patients literally priced out of having coverage and able to access care at all.
    Hey, but look at the bright side. By neglecting their care, they will likely become sick and then not be discriminated against when they try to get their insurance…….

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