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  • Americans Can’t Afford to Use Insurance They Own March 30, 2015
    One in three Americans have delayed medical treatment for themselves or a family member because of cost. Many patients, 25% of the non-elderly, don’t have enough cash to cover a mid-range deductible of $1,200-$2,400. These patients need to shop around …
  • 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 …

If ObamaCare Survives, Legal Battle Has Just Begun

AAPS and other groups/states still have lawsuits pending against Obamacare.  The AAPS lawsuit is based on the 5th Amendment:  The Takings Clause — that the government cannot take your property without just compensation. The limited expansion of Medicaid is “an important victory” states AAPS General Counsel Andrew Schlafly. 

Free yourself and take control of your own medical care!  MediBid provides freedom for patients AND doctors.  Patients have the freedom to pick their own doctor and pay with their own money.  Physicians are free to give quality care and accept direct payment outside the restrictions of insurance. 

If ObamaCare Survives, Legal Battle Has Just Begun

http://www.cato.org/publications/commentary/obamacare-survives-legal-battle-has-just-begun

by Jonathan H. Adler and  Michael F. Cannon

This article appeared in USA Today on June 25, 2012.

Even if the Affordable Care Act survives its first Supreme Court test — a ruling is due as early as today — the lawsuits won’t end. Citizens have already filed challenges to what critics call the law’s “death panel” and its impact on privacy rights, religious liberty and physician-owned hospitals. Still another potential lawsuit poses as great a threat to the law as the case now before the high court.

Under the guise of implementing the law, the Internal Revenue Service has announced it will impose a tax of up to $3,000 per worker on employers whom Congress has not authorized a tax. To make things more interesting: If the IRS doesn’t impose that unauthorized tax, the whole law could collapse.

The Act’s “employer mandate” taxes employers up to $3,000 per employee if they fail to offer required health benefits. But that tax kicks in only if their employees receive tax credits or subsidies to purchase a health plan through a state-run insurance “exchange.”

This 2,000-page law is complex. But in one respect the statute is clear: Credits are available only in states that create an exchange themselves. The federal government might create exchanges in states that decline, but it cannot offer credits through its own exchanges. And where there can be no credits, there is nothing to trigger that $3,000 tax.

States are so reluctant to create exchanges that Secretary of Health and Human Services Kathleen Sebelius estimates she might have to operate them for 15 to 30 states. Even if she manages that feat, the law will still collapse without the employer mandate and tax credits.

Unauthorized Tax

To prevent that from happening, on May 18 the IRS finalized a rule making credits available through federal exchanges, contrary to the express language of the statute.

Because those credits trigger penalties against employers, the IRS is literally taxing employers and spending billions without congressional authorization. Estimates by the Urban Institute indicate that had this rule been in effect in 2011, it would have cost at least $14.3 billion for HHS to run exchanges for 30 states. About 75% of that is new federal spending; the remainder is forgone tax revenue.

The IRS doesn’t have a leg to stand on here. It has not cited any express statutory authority for its decision, because there is none. The language limiting tax credits to state-established exchanges is clear and consistent with the rest of the statute. The law’s chief sponsor, Senate Finance Committee chairman Max Baucus (D-Mont.), is on record explaining creation of an exchange is among the conditions states must satisfy before credits become available. Indeed, all previous drafts of the law also withheld credits from states to push them to cooperate.

Employers can sue

Under the Congressional Review Act, Congress has 60 days from the date of issue to block the rule. Reps. Scott DesJarlais, R-Tenn., and Phil Roe, R-Tenn., have introduced a resolution. It may receive a cold reception from President Obama, but “taxation without representation” is a difficult position to defend. If that approach fails, states that have refused to establish a health insurance exchange, and large employers the IRS will hit with this unauthorized tax, could challenge the rule in court.

The authors of the Affordable Care Act wrongly assumed states would be eager to implement it. If saving the law from that miscalculation requires letting the IRS tax Americans without authorization, then it is not worth saving.



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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