What Healthcare Bill Would Work?

I am no economist but my job as a direct primary doctor has proven that the free market works. Even more importantly, it proves that the insurance companies are needed very rarely.  They don’t need to navigate your care.  They don’t need to negotiate prices for you.  They don’t need be called “your healthcare provider”.  They are there to be a safety net when a catastrophe happens.  That should be all.  Consumers can bring prices down if they are left to their own devices.

With all this I still don’t know what EXACT plan will work but I know we are in the right direction if the insurers are pissed off about it.  Remember, they LOVED Obamacare!

This article in the Washington Post was titled Health insurers have been strangely quiet about undoing Obamacare. Until now.   It went on to say:

Cruz and Lee’s amendment, called the “consumer freedom amendment,” would allow insurance companies to sell cheap health plans that don’t meet the Affordable Care Act’s coverage requirements as long as insurers also agree to sell a plan that does. For example, an insurer could sell a skimpy plan without maternity coverage or reject people with certain preexisting conditions — so long as they sell a plan that doesn’t do those things. The idea, endorsed by Vice President Pence, is that healthy people would be able to buy only the coverage they want.

But in a letter to lawmakers and a document circulating on Capitol Hill, health insurers’ trade groups said that policy would destabilize the insurance marketplaces, cause premiums to rise unsustainably for people with chronic health conditions and leave fewer and fewer insurers selling plans — all the hallmarks of a death spiral.

“I’m writing to make clear my view on how the ‘Consumer Freedom Option’ is unworkable as it would undermine preexisting condition protections, increase premiums and destabilize the market,” Scott Serota, president and chief executive of the BlueCross BlueShield Association, wrote to Cruz and Lee.

I call bulls%t on the insurance trade groups.  They are worried about only one thing and that is their profits. I only hope that this plan would put them in a death spiral!

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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] 

  8 comments for “What Healthcare Bill Would Work?

  1. JoAnn
    July 19, 2017 at 8:40 am

    I am no financial expert on the free market, but I am the grandmother of a nine year old little boy who was diagnosed with a rare cancerous tumor 2 months ago-the medication that he needs to take for at least 6 months is priced at $9,000/month, and is only manufactured by Pfizer. Even if it were manufactured by another company, do you really think that they would offer it at a lesser price? It seems to me that the entire healthcare industry needs investigated, as to why costs are so high.

  2. Madelyn
    July 18, 2017 at 1:15 pm

    No maternity care. Than they and the baby can go on medicaid. I saw this in my practice. The woman was not planning to get pregnant, the insurance was cheaper so she/they decide not to pay for pregnancy coverage. OOPS. I am pregnant with no insurance.

    • Pat
      July 18, 2017 at 8:46 pm

      But wait why should anyone else have to pony up for birth control, pre-natal, or maternity coverage?

      • Bridget Reidy
        July 19, 2017 at 2:18 am

        Because quality of life for the poor means you get better nursing home care someday, given by the children who are now growing up poor. Because otherwise somebody will pay for the NICUs somehow, probably you. Why should you pay for schools if you don’t have kids, same reason. Why should you pay for highways when you ride a bike, pretty similar reason.

  3. John Chamberlain
    July 15, 2017 at 9:17 am

    The insurance mafia is starting to see the lugbolts loosening on the wheels of the gravy train they’ve been riding for the last 7 1/2 years and they’re pulling out all the stops to keep if from happening.

    • politovski
      July 16, 2017 at 1:00 am

      7 1/2 years? try 60+ years….
      don’t forget that the rich and wealthy will not allow themselves to be voted out of their wealth.

      • John Chamberlain
        July 16, 2017 at 8:53 am

        Of course I was referring to just the latest insurance macia rip-off. They’ve been paying off politicians for decades. Employer-sponsored group insurance, the HMO Act of 1973, the list goes on.

        Between them and big pharma, us little guys barely stand a chance.

  4. Pat
    July 15, 2017 at 8:19 am

    Interesting that an industry would complain that being allowed greater freedom of action would “undermine” and “destabilize.” That is proof of crony corporatism. I hope we’ll hear from the pro-ACA readers, I can’t wait for them to try and justify this.

    More proof, as if we needed more, that the ACA was a gov’t sponsored ripoff, nothing more. And now we can’t get the damn tumor resected.

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