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  • Protect Your Children and Yourself from Phthalates December 19, 2014
    Phthalates are chemicals used since the 1950s to soften plastics. They are continuously released into the air, food, or liquid. How do you and your children become exposed to phthalates? Ingestion – When babies suck or chew on an object …
  • Holiday Specials on Lab Tests December 18, 2014
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  • The Truth About Sugar December 15, 2014
    The past decade’s focus on low-fat diet has led to an unintended consequence, an increase in sugar consumption. Many people are not aware of exactly how much sugar they are actually consuming. The sugar, processed food, and beverage industries do …
  • Yet Another ObamaCare Miscalculation December 12, 2014
    by Marilyn Singleton MD, JD On November 13th, the Government Accountability Office (GAO) issued a report finding that that enrollment for the state-operated Small Business Health Options Program (SHOP), created by the Affordable Care Act, was significantly lower than expected. …
  • Ralph Weber Talks About Root Causes of High-Priced Healthcare – Video December 10, 2014
    The main reasons that health care costs so much are because of lack of transparency, lack of competition, and the complexity of the system. There is a lack of transparency between the patient and the provider, as well as between …
  • Here’s The Thing #6: Root Causes December 10, 2014
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    by Adrienne Snavely Most commercial yogurts are full of artificial colors, flavors, and sugar, which stimulate disease-causing bacteria, yeast, and fungi in the gut. This overpowers your good bacteria, increasing the chance you’ll get sick. Healthier yogurts are pasteurized at …
  • The Scientist, the Sage, and the Homunculus: The Psychology of Direct Pay Medicine December 7, 2014
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  • “The Rich, Fat Giant & the Free Market” – A Bedtime Story December 5, 2014
    by G. Keith Smith, MD When my children were young, I used to make up bedtime stories for them, stories they recently reminded me they remember even now.  I hope you enjoy the following actually true story, many versions of …
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  • Should You Worry About Phthalate Exposure While Pregnant? December 3, 2014
    Chemicals called phthalates are used to make plastic items more flexible. They are found in packaged foods and personal care products. In the past few years, studies showed that phthalate exposure put pregnant women at risk of complications and fetal …
  • Beyond Mere Board Certification: Paul Kempen, MD, PhD December 3, 2014
    Dr. Paul Kempen exposes the truth about Maintenance of Certification (MOC) in a presentation to physicians in the St. Louis area on November 22, 2014.
  • Health Benefits of Coconut Oil December 1, 2014
    Coconut oil is a saturated fat that helps you lose weight, decreases inflammation, fights infection, and protects the brain from Alzheimer’s disease. It works the opposite way other saturated fats do by improving the ratio of “good” to “bad” cholesterol …
  • Thanksgiving Special from MediBid for Physicians & Patients November 26, 2014
    Happy Thanksgiving from MediBid! MediBid is offering 25% off annual registration to give thanks to all of the freedom fighting doctors and facility administrators we have out there! We have a large group of self pay patients looking for quality …
  • Fraser Institute: Waiting Your Turn, Medical Wait Times in Canada 2014 November 26, 2014
    The Fraser Institute study, Waiting Your Turn: Wait Times for Health Care in Canada, is Canada’s only comprehensive measurement of wait times for medically necessary health care. Based on an annual survey of physicians practising in 12 specialties in each …
  • Why You Should Eat More Prunes November 24, 2014
    Many people are not fans of prunes, yet sales of “dried plums” are on the rise. Prunes have been a popular digestive remedy for decades with their fiber, stool loosener, and natural laxative compound. They are a sweet treat for …
  • ACA Architect Gruber Insults Voters November 21, 2014
    MIT economist Jonathan Gruber (an architect of Obamacare) has emerged in a handful of videos insulting the American public. In one video, Gruber discusses how voters’ “lack of economic understanding” enabled a politically unpopular tax on “Cadillac” health plans to …
  • Are You Vitamin D Deficient? November 19, 2014
    Many Americans believe they are not at risk for Vitamin D deficiency because they eat D-fortified foods. These foods do not contain enough Vitamin D to benefit your health. Vitamin D is not a regular vitamin, but a steroid hormone …
  • Ambulance Drones Could Help You Survive a Heart Attack November 17, 2014
    Heart disease is the #1 cause of death in the United States. The odds of surviving a heart attack outside of a hospital is only 8%. Four out of five heart attacks occur at home where there is no emergency …
  • Eugenics in America – In the Name of Science November 17, 2014
    Marilyn M. Singleton, M.D., J.D. presents at the AAPS 71st Annual Meeting, September 5, 2014, Charleston, South Carolina

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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