Today there’s a small but growing movement of doctors who are opting out of the traditional health care system by no longer accepting insurance. This new approach is is called “direct primary care,” but it’s essentially a throwback to an era before insurance companies were responsible for covering routine services like ear infections or strep cultures.
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Dr. Ryan Neuhofel, who’s been running his own direct primary care practice in Lawrence, Kansas since 2011, has a page on his website that lists the cost of each procedure, which the patient, not the insurance company, actually pays.
Need an x-ray? That’s $25 to 40, along with a monthly subscription fee that runs from $35 for minors to $130 for a family of four.
Most direct primary care practices charge a monthly subscription fee. It allows them to offer other services, like answering patient phone calls, text messages, or even having appointments over Skype—services that our insurance-dominated system doesn’t allow for.
And $55 per month for 19-69 year olds, and $75 per month for 70+. This can supplement your existing bloated health insurance, or maybe, depending on your circumstances, replace it. Get DPC for routine but get health insurance for catastrophic care.
You read that right. Finally a way out of the bureaucratic, government-organized cartel that is health insurance today.
Now, before you pooh-pooh the idea, do a little research to see if its right for you.
DPC Frontier is an organization for more information including a map to see if there’s an office near you.
Here’s a nationwide chain, Paladina Health:
Paladina Health is a subsidiary of DaVita HealthCare Partners, a Fortune 500 company recognized as a 2015 Top Workplace by The Denver Post. This is the fourth consecutive year that the company has appeared on the list, a list that is determined entirely by feedback from employees.
A conservative critique of ACA, aka Obamacare, is that it was designed to fail so Democrats could instead implement a single-payer health care “system”. Here’s a column by the respected Larry Elder.
I disagree with that view. ACA was the Democrats’ attempt at using government bureaucracy to administer health insurance and resulting health care. Democrats, following progressive ideology, do not trust the market process. Progressives believe they are smarter than the rest of us and can allocate resources better and fairer than market processes. Note also some conservatives believe this as well. People in government, whether (modern) liberal, conservative, or middle-of-the-road take simply cannot give up the power and control that government provides them. They could be in an elected or appointed capacity.
The market process consists of individuals making decisions, voluntarily interacting with one another in commercial transactions, trial-and-error, competition, choice, and experimentation. You can see from this description how some failures will occur with market processes. But it also allows for many more successes, inventions, and improvements.
If health care cannot be administered by government bureaucracy while letting some limited individual decision-making as the ACA allows, it certainly cannot be distributed by freed market processes. Its too important. Government has to completely take over.
But the Democrats have been pushing, with some Republican help, for bureaucratic administration, which consists of unelected government employees issuing rules and regulations that do not have to be implemented legislatively. Adding language in legislation gives the appropriate government agency the rule-making power.
The Consumer Financial Protection Bureau (CFPB) is one such agency. It reports into the unelected bankers at the Federal Reserve.
Cato Institute’s Cannon:
. . . free millions of consumers from ObamaCare’s hidden taxes, bring transparency to that law, and give hundreds of millions of workers greater control over their earnings and health care decisions.
Obamacare’s hidden taxes:
Since the Affordable Care Act took full effect in 2014, premiums in the individual market have more than doubled. The average cumulative increase is 105 percent, equivalent to average annual increases of 19 percent. Family premiums have increased 140 percent. In Alabama, Alaska, and Oklahoma, premiums have more than tripled. Analysts predict an average increase of 18 percent for 2018; premium increases will average 24 percent in Washington State and 45 percent in Florida.
When healthy consumers flee the Exchanges, premiums could rise even faster than they already are, and the Exchanges could indeed collapse as Maryland’s insurance commissioner predicts. If so, we must understand that as a manifestation of ObamaCare’s unpopularity. If community rating and other provisions of the law were as popular as ObamaCare supporters claim, consumers would be lining up to pay the resulting hidden taxes. But they won’t–and even Democrats know it. So when Democrats object to reforms that would let consumers avoid ObamaCare’s hidden taxes, they are actually implicitly conceding that even the ObamaCare provisions that they claim are popular are actually unpopular. What Democrats appear to mean when they complain this executive order “undermines the law” is that it could undermine their illusions about ObamaCare’s popularity and sustainability.
That’s right. This executive order undermines the Democrats’ illusions about Obamacare’s sustainability.
President Trump on Thursday took executive action on health care, calling for a plan that could let employers band together and offer coverage across state lines as Congress stalls on efforts to overhaul ObamaCare.
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Trump said he will direct the secretary of labor to consider expanding access to Association Health Plans, which could allow employers to form groups across state lines offering coverage. The White House says these plans could offer lower rates.
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It’s unlikely to reverse the trend of insurers exiting state markets. About half of U.S. counties will have only one ObamaCare insurer next year, although it appears that no counties will be left without a carrier as was initially feared.
Don’t expect to notice a difference in the insurance market immediately; parts of the plan will have to go through the arduous agency rule-making process, which could take months, according to The Associated Press. And experts have said that the order probably won’t greatly impact premiums for 2018 – which are already expected to rise.
This, to the Democrats, undermines Obamacare. But the Democrats want to sacrifice Americans’ well-being to maintain a government program. Contrast this sacrifice to a market process, where producers and providers serve their customers. Both sides get what they want.
The cancer in question is acute myeloid leukemia.
“We’re hopeful that the targeted compounds we’re developing will prove more effective than current anti-cancer therapies by directly causing cancer cells to self-destruct,” Dr. Evripidis Gavathiotis, an associate professor of biochemistry and medicine at the Albert Einstein College of Medicine, said in a press release. “Ideally, our compounds would be combined with other treatments to kill cancer cells faster and more efficiently — and with fewer adverse effects, which are an all-too-common problem with standard chemotherapies.”
Health expert Michael Cannon:
In short, ObamaCare still doesn’t work well; it isn’t popular enough for Congress to paper over all its problems with more taxpayer dollars; Democrats did this to themselves; and they deserve nearly all, if not all, of the blame.
Now stop making me defend the Trump administration, people. Sheesh.