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  • Third Party Free Medical Practice Case Studies March 28, 2015
    Dr. Kathy Brown, Jack Brown, and Dr. Keith Smith speak at the 69th Annual Meeting of AAPS, September 2013. http://www.oregonderm.com/ & http://surgerycenterok.com
  • A Tale of 2 Prices…or 3?‏ March 27, 2015
    by Ralph Weber About a year and a half ago, Perry Hunt needed a hip replacement. He had been in constant pain for years and owned a construction company, and could not afford to take the 6 months off that …
  • Tisha Casida interviews Ralph Weber: Free Market Solutions to Healthcare March 25, 2015
    Tisha Casida with Rebellion.life interviews CEO of MediBid, Ralph Weber, about his work educating the public and the government about common sense health care solutions. MediBid is an online marketplace with true transparency, listing not only prices, but qualities and …
  • Small Business Coverage Uncertain Future with Association Health Plans March 23, 2015
    For the last 20 years, small businesses in Washington state have relied heavily on associations and trusts to provide healthcare insurance for their workers at lower cost than in the open market. The system is popular and works well, a …
  • Outpatient Surgery Saves Patients Time and Money March 20, 2015
    The death of Joan Rivers after a routine procedure has some asking about the safety of outpatient surgical centers. First off, it is important to make sure to know if you are a good candidate for surgery and what to …
  • Study Finds Hormones Can Help Younger Women Through Menopause March 18, 2015
    Hormone replacement therapy used to only be given to women who had completed menopause, relieving hot flashes, sleeplessness, and other symptoms. In 2009, about 8 million women used HRT, most over the age of 60. A recent Cochrane review finds …
  • Retail Health Care Clinics Multiply with Increasing Demand March 16, 2015
    Integrated care facilities offer primary care, specialty services, labs, and diagnostics all under one roof. These clinics follow a model common in Latin America. This consumer-focused type of providing medical care is gaining in popularity and increasing in number since …
  • Avoiding Caregiver Burnout March 13, 2015
    Over 43.5 million Americans care for older parents, grandparents, spouses, or other loved ones. Most family caregivers are spouses or children. The demands of caregiving can be overwhelming and can take a toll on your health, relationships, and sanity – …
  • It is Safe to Assume They Lie March 11, 2015
    by G. Keith Smith, MD I laugh every time I see headlines bragging about the number of people enrolled in “Obamacare.”  What choice to people have, after all?  ”Buy this crappy insurance plan (that you wouldn’t buy unless you were …
  • FinalHayes1 March 11, 2015
  • Physician Burnout – What To Do March 9, 2015
    Signs of physician burnout can range from decreased enthusiasm for work, increased cynicism and a low sense of accomplishment.  Where at one time the physician may have felt a burning passion for medicine, he may feel that “light” burning out, perhaps …
  • Increasing Wait Times for Hip Surgery Ruin Patients’ Lives March 6, 2015
    Frustrated patients in British Columbia are in constant pain as their wait times for hip replacement surgeries increase. Wait times for joint replacements have increased in most Canadian provinces despite promises from the government to address the problem. B.C. is …
  • Staying Physically Active: How Much Exercise is Right for You? March 4, 2015
    by Adrienne Snavely Everyone knows that the key to keeping a healthy body is a combination of a healthy diet and regular physical activity. What is considered “regular” differs from person to person. The Dietary Guidelines for America (DGA) first …
  • Supreme Court to Hear New Obamacare Case This Week March 2, 2015
    Later this week, the Supreme Court will hear arguments in King v. Burwell, the results of which could affect the future of Obamacare. This case addresses if consumers who buy health insurance at HealthCare.gov are eligible to receive tax credits …
  • How to Fight and Prevent Sugar Cravings February 27, 2015
    The average American consumes about 16 teaspoons more sugar per day than what is recommended. Sugar causes the brain to release serotonin, creating a natural high, and the endorphins leave us wanting more. Kicking a sugar addiction can be tough, …
  • Hospital Closures Bring “New Day” in Healthcare February 25, 2015
    Hospitals are operating with fewer beds or closing, as patients seek more affordable medical care at clinics and outpatient surgery centers. A low occupancy rate makes for a high-priced facility, which is not competitive. These closures are due to the …
  • Do Your Part to Protect Your Heart – February Special February 23, 2015
    February is Heart month. Protect the health of your heart, preventing heart disease and stroke, with a simple blood test. Below are the February specials from DirectLabs. Lipid Profile – $19 (Regular Price $29, $98 Retail) Test includes: Cholesterol, Total …
  • The Various Dimensions of Mammogram Screening February 20, 2015
    by Adrienne Snavely Every year, over 200,000 women in the U.S. are diagnosed with breast cancer and about 40,000 will die from it. When breast cancer is detected early, it is easier to treat. Forty million mammograms are performed each …
  • Crashing the Free Market Party February 16, 2015
    by G. Keith Smith MD Riding in to rescue the victims of Obamacare and other government healthcare schemes are guess who? The legislators? The regulators? Don’t make me laugh. It is the growing group of healthcare free marketeers. The celebration …
  • Dark Chocolate is Good For You and Your Valentine February 13, 2015
    Dark chocolate is loaded with nutrients, one of the best sources of antioxidants, and can improve health and lower risk of heart disease. Dark chocolate is very nutritious. It contains a fair amount of soluble fiber and is full of …

How Obamacare Affects Students: What You Need to Know

There are endless ways Obamacare affects college students, as it does everyone else. I’m just going to talk about a couple that affect college age students specifically. Many college students will be dropped altogether from their parents’ health insurance plans because employers don’t want to be pay for their employee’s dependents for an extra seven years, now that they can stay on until they are 26. Another way that college students will be affected is that their premiums will go up due to a provision in Obamacare that says that a senior citizen’s premium can’t be more than two and a half times a young person’s. Essentially, the youth of the nation will be footing the healthcare bill of the senior population since senior citizens use health care so much more than young people.

For a more detailed explanation….

College students are being led to think that Obamacare is a good thing, especially for them. They are, however, being very mislead and manipulated about that fact. The provisions of Obamacare that are supposed to be the “good ones” for college age students have been unveiled before the election, while the bad ones will start next year. This makes for much more favorable voting for Obama. I will discuss a “good” provision that is already in effect and a lesser known and less favorable provision that goes into effect in 2014, after the election.

One of the main “good” provisions that college students hear about is that they can stay on their parents’ insurance plan until they are 26. Although sold as a good thing, a provision that will expand care for people 26 and under, the actual truth of the matter is a bit different. If you get married, you get kicked off the plan, which discourages young adults from getting married, getting a job, and getting their own benefits. That is just a “soft” issue, however.

This biggest issue with this provision is that employers on average pay about 75% of an employee’s premium and a certain percentage for their employee’s spouse and children. Before, when you were enrolled in college full-time, you were allowed to stay on your parents’ plan until you were 23 because you were really still a dependent. If you weren’t a full-time student, you were dropped off your parents’ plan at 19. Now suddenly with Obamacare there are seven more years you can stay on your parents’ plan, without even being in college. This provision kicked in during January 2011. January is the time employers renew their healthcare plans. When the provision kicked in, they were told it wasn’t going to increase costs very much. As 2011 passed by, however, many “children” who had been kicked off their parents’ plan years ago “jumped” back on. Therefore, employers have been and continue to see their costs rise. Starting this past January 2012 many employers have been deciding to no longer pay for their employees’ dependents. This, in turn, has led to many people dropping their children off their plans. This trend has just begun, and we usually see trends reported about a year late. It was sold as a good benefit, but it has raised employer costs too much, causing dependents to be dropped altogether.

As far as premiums go, there is a difference between a 24 year old’s premium and a 64 year old’s premium of about eight times because young people use less benefits. So if the 24 year old is paying $50, the 64 year old is paying about $400. A provision in Obamacare now says the difference between them can only be two and a half times, as opposed to eight times. They, of course, are not going to bring down the 64 year old’s premium, so they’ll raise the 24 year old’s premium instead. Therefore this provision will cause premiums to rise. Essentially, the youth of the nation will be footing the healthcare bill of the senior population since senior citizens use health care so much more than young people. This provision, which the government knew would be viewed negatively, doesn’t kick in until 2014, after the election.

What healthcare needs is less government intervention, not more. We need to allow the free market to do what it does best.



At MediBid, we restore market forces to medical care. Doctors get to set their own rates based on their training, experience, and outcomes, and patients get to shop for medical care across state lines and international borders. Many times with MediBid, you will find procedures that are more effective than procedures allowed, or covered by health plans. Transparency and competition are the only way to achieve reasonable costs. Many of our employer clients offering group health insurance through MediBid save $5,000 per employee per year. Those are substantial savings. Patients are saving an average of 48% vs. insurance discounted rates, or 80% vs. retail. Contact us for more information.
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