Friend of IP4PI and medical freedom warrior Jane L Hughes, MD writes in:
We need something that does not increase the cost to everyone! Approximately 50% of Americans don’t spend more than $1,000/yr on actual healthcare, and 89% don’t spend more than $5,000/year. Also, in my opinion, “Make America Healthy Again” is more a slogan for the public health department, not physicians per se. 100% of Americans who make it past 8th grade have had health class. They know obesity, smoking, drugs, sex, teen pregnancy all lead to problems. They persist in bad habits/lifestyles anyway. That is a societal problem that we all care about, and each of us in our own way influences as a physician. However, our primary job is screening, treating when necessary, managing chronic illnesses with our patients, and stressing behavioral changes that can impact future health issues with our patients. OK, on to what I think we need.
1. Repeal 100% of ObamaCare and start over with transparency regarding cost and sources of revenue for safety net on federal level. Continue reading
According to our friends at Freedom Works:
“Section 1 of his bold, principled plan repeals ObamaCare in its entirety. That alone would make it worth supporting, but he goes much farther. Inspired by the vision of a truly patient-centered system, his bill addresses the spiraling cost of health care and lack of consumer control in a number of commonsense ways.”
The OPTION Act eliminates the requirement that HSAs be attached to high-deductible health plans, allowing all Americans to save money for a rainy day tax-free. Continue reading
Now that there’s a fighting chance to save patients from the disaster of ObamaCare, let’s keep focus on some of the pivotal ideas that will restore low-cost, high-quality care for the maximum number of Americans, i.e. Make American Medicine Great Again:
Health insurance was originally intended to be optional inexpensive stop-gap damage control against large financial losses for catastrophic disease or injury. It has become government #ACA mandated income redistribution through #ACO cronyism disguised as an entitlement program.
The “unaffordable careless act,” aka ACA, not only had high deductibles but the highest premiums in history as it was first dollar coverage driven by government fantasy.
True low cost competitive rate high deductible plans (HDP) should only cover large expenditures as small ones should be paid out of pocket with consumers’ Health Savings Accounts (HSA).
Patients will decide on the value mix of the services they desire with prices mutually agreed on between patient and doctor. Consumers can have choice of paying fee for service at their discretion or paying for direct primary care ongoing relationship services. When other entities like employers, special interests and government get involved, the relationship and value is put asunder.
Insurance was never intended to cover every dollar out of pocket. Imagine how expensive your car insurance would be if it covered every scratch, ding, dent, oil change, and every other service and told you where to buy gas every day….
Comrades in arms,
Thank you for working to bring back true low premium high deductible health insurance that reimburses patient for catastrophic losses and health savings accounts. Current HSAs are fatally flawed as they are currently limited in use scope and inexorably tied to health insurance. Here are some principles to help. If the HSA is limited by definition, perhaps we can advocate for a new concept like “health empowerment accounts(HEA).”
1. HEA/HSA should be one to each individual from birth or whenever they are added on. They should belong only to that individual unless lawfully transferred to a family member(see 3). Continue reading
Originally broadcast on January 13, 2016: Dr. Craig M Wax Interviews Ben Carson, MD on Your Health Matters, Rowan Radio, WGLS-FM.
Guest Post from Dr. Claire Coco
We don’t have free market conditions:
- Health insurance is required.
- Insurers are required to cover certain levels of care.
- Pricing is not transparent.
That is the formula for high prices. First we saw it with hospital and urgent care. Now we are seeing it with prescriptions and labs. Continue reading