From my America Out Loud Pulse podcast with Charles Frohman –https://www.americaoutloud.news/alternatives-to-traditional-health-insurance-with-charles-frohman/
Many thought the Affordable Care Act was the answer to access to medical care. As it turns out, the insurance premiums are still prohibitive for many consumers. In 2023, the average ACA plan costs $469 per month for a 40-year-old individual, $937 for a couple age 40, $1,214 for a 40-year-old couple with one child, and $1,491 for a 40-year-old couple with two children.
According to Kaiser Family Foundation data, about half of U.S. adults say they have difficulty affording health care costs. About 40 percent of U.S. adults with health insurance say they have delayed or gone without medical care in the last year due to cost. About one-third of adults with health insurance worry about affording their monthly health insurance premium, and 44 percent worry about affording their deductible before health insurance kicks in. Moreover, a Kaiser Family Foundation survey found that roughly 6 in 10 insured adults experience problems when they use their insurance.
Everyone is talking about health care price transparency. But what does that really mean? In short, we want receiving medical services to be more like going to the grocery store. You need a bottle of milk, you see several brands, you see the prices, you decide to buy the brand of your choice based on price and quality. Not so simple, you say. This is my health. I don’t know when I’ll get sick. Let’s face it: most of us do not have major medical problems for the most of our lives.
When it comes to more expensive care, like emergency rooms and hospitalizations, it is a small percentage of patients that make up the larger expenses. Repeat visitors to the Emergency Room make up almost one third of the visits. And one quarter of all Medicare funds are spent in an enrollee’s last year of life. What does this mean? Most of us have manageable medical care costs yet the standard insurance model does not take the facts into consideration – much to the consumer’s detriment.
When all these things are considered, it is clear that s different model for paying our medical care makes sense. We are going to talk about that tonight.
Non-insurance health care model: MPB Health
https://joinmympb.com/patientempowerment/
For links for the recording, or promotion at the Out Loud site:
*The Forbes-featured upgrade from insurance – combining Sharing (that doesn’t suffer from networks like insurance), HSAs (the most tax-advantaged retirement vehicle), and a Concierge to help our newly-empowered patients shop on drug, test and specialist prices.
*The money-doubling account for those wanting help with Out of Pocket, whether dental, electives, chiro, urgent care & therapies
* NHF’s campaigns, in particular the “certification” one to open the supply of health care, the “HSA” one to make customers out of patients; the “vaxx centralization” one to oppose the WHO, the “telecom” one to oppose the Wireless Mesh; and the “homeopathy/compounding” one to protect access to consumer-preferred natural treatments
Bio
Charles Frohman is a lobbyist for the National Health Federation to restore informed consent, healer freedom, and end special interest capture of the bureaucracies. After graduating in 1988 with a Government B.A. from the College of William and Mary, he worked at the Cato Institute, and lobbied for a variety of nonprofits focusing on medical freedom, including Health Ventures for Pain Medicine Rights, Consumer Health Reform, and Natural Health. Since 1990, Mr. Frohman has helped politicians, trade associations, think tanks, nonprofits, and corporations innovate and raise their profile. Mr. Frohman is also connecting an innovative health plan with families, entrepreneurs and associations seeking empowerment of patients and healers.
