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  • Are Eggs Good for You? 30 Reasons to Eat Eggs April 18, 2014
    Eggs have gotten a bad rap in the past and unfortunately, many today still believe the wide spread misinformation. Are eggs good for you? Do they cause heart disease? Do they raise cholesterol? Should I avoid them? Depending on who …
  • The Commercial Gym – A Little House of Horrors April 16, 2014
    by Lee Kurisko, MD I’m was on vacation a week ago in Florida.  I was more than happy to vacate Minnesota that week.  Despite being the first week of April, Minnesota is still getting snow.  My kids are teenagers so …
  • The Difference Matters: Dick Morris Interviews Jan Iverson April 15, 2014
    Jan Iverson speaks to Dick Morris, on April 14, 2014, about citizen-led efforts to hold Hillary Clinton accountable for the Benghazi cover up.
  • Arkansas Surgical Hospital Ranked Among Most Affordable in Statewide Study April 14, 2014
    San Francisco (April 9, 2014) – NerdWallet Health, a website that empowers consumers to make better decisions about healthcare and insurance, has found the ten most affordable hospitals in Arkansas – and North Little Rock-based Arkansas Surgical Hospital ranks sixth. …
  • Costa Rica Vacation & Medical Check-up Special April 11, 2014
    5 Days and 4 Nights Package to Costa Rica is available for $1899! It includes over 25 individual laboratory tests and scans to provide a thorough Biochemical assessment of your health, as well as 2 day tours in the area! …
  • MediBid Safe From Heartbleed Bug April 10, 2014
    As I’m sure most of you have heard, an encryption flaw in the OpenSSL cryptographic software library has inadvertently caused one of the biggest security threats ever seen on the internet. The OpenSSL cryptographic software library is used to secure …
  • Dr. Jeffrey Gallups Interviews Ralph Weber about MediBid April 9, 2014
    MediBid does what the government and politicians have been unable to do — offer low medical costs and choices.  MediBid was initially developed for Canadian patients on medical waiting lists.  Employers were interested in the model to provide benefits for …
  • The three most dangerous poisons to never eat, drink or inject again April 5, 2014
    Episode 2 of “Awakenings” with the Health Ranger reveals the 3 most insidious poisons you should NEVER eat, drink or inject again! Hear more episodes of Awakenings at NaturalNews.com
  • How to live GMO-free – Awakenings with the Health Ranger April 4, 2014
    Important tips on how to live a GMO-free life. Get Monsanto out of your food and off your back!This is episode 1 of the Health Ranger’s new series “Awakenings.” See more Awakenings episodes at NaturalNews.com
  • The Road to Serfdom is Paved with Good Intentions April 2, 2014
    by Marilyn M. Singleton, M.D., J.D. What do TSA groping, NSA data-mining, and mercury-laced fluorescent light bulbs have to do with keeping your doctor? They are the products of seductively entitled but flawed laws. As Daniel Webster said, “good intentions …
  • The Patient Physician Relationship Under ObamaCare April 1, 2014
    AAPS Capitol Hill Briefing: March 27, 2014 Currently there is a lot of discussion regarding health care exchanges and access to insurance. However, insurance is not care. Even if the exchanges are eventually fixed, they cannot assure access to care. …
  • After three years, Edison woman’s life is getting back on track March 31, 2014
    Debbie Pasnak suffered several broken bones in a fall, but Medicaid denied her the medical procedures she required for treatment. Medicaid kept her waiting for surgery in hospitals and rehab centers for three years. Eventually, her friend told her about …
  • If You Like Your Scam, You Can Keep It: the Attack on Out-of-Network Doctors March 28, 2014
    by G. Keith Smith, MD A patient who wanted to have a procedure at our facility asked us to file insurance. We discovered that if she had her surgery at our facility rather than at an “in network” hospital, her …
  • Doc discovers Obamacare’s shocking, dirty secret March 26, 2014
    by Lee Hieb, MD I am being impacted in many ways by the Patient Protection and Affordable Care Act, or, to give credit where credit is due, “Obamacare.” But the most stunning attack on my person came this month in …
  • Webinar: MOC Update, Paul Kempen, MD, PhD & Ken Christman, MD March 26, 2014
    Learn more at http://ChangeBoardRecert.com. “MOC, MOL, OCC and now C-MOC Beyond mere Board Certification” Presented March 23, 2014 by Paul Kempen, MD, PhD with intro by Ken Christman, MD.
  • Free Markets in Healthcare Aren’t “Broken” – Just Not Allowed to Work March 24, 2014
    by Elizabeth Lee Vliet, MD Democrats excel at “message discipline”—sticking to talking points whether their script is factually correct or not. Repeated often enough, the script becomes “truth.” Democrats’ script says: “The U.S. healthcare system is broken. Free-markets didn’t work; …
  • 2014 03 23 13 02 MOC Update March 24, 2014
  • A Better Way to Save $1 Trillion March 21, 2014
    Cutting back on national medical spending would save money, but the quality of patient care would decrease and waiting times would increase.  These are the problems other countries are having.  Money is saved by creating a free market in medical …
  • Secrets to blocking mercury: Top foods that capture dietary mercury March 19, 2014
    Mike Adams visits The Robert Scott Bell Show and reveals a number of botanical strategies to block absorption of dietary mercury!
  • When Health Care Providers Compete March 19, 2014
    Vicki Burns needed a hip replacement and didn’t have insurance.  Her husband discovered MediBid and submitted a request for surgery.  She received her procedure – all-inclusive – for $30,000 less than her local hospital quoted her.  MediBid’s price transparency creates …

The Cliff Effect: Obamacare Takes a Double Shot at the Economy and the American Dream

Subsidy Cliff Effect in Health Care InsuranceThe ‘cliff effect’ described here is something I’ve been worrying about for more than a year now.  Based on Kaiser’s calculator using my age, earnings and location, I’m in a spot where a tiny increase in income will have a dramatic effect on the subsidy I might get.  But what scares me is that it isn’t just me, it is that everyone like me will be faced with this, and many will be blindsided by it, which isn’t fair at all.  Like described below, a small shift of an annual income, say an additional $500 per year, or even $5 if I were that close to the marker (which shifts constantly), could push someone like me into the next bracket for subsidy, reducing the subisdy by thousands.  The situation below is extreme, but possible.  When I calculated it out (read more of my calculations here), I found that the subsidy drop off was much more drastic than the increase of income needed to produce it.  Which means someone can get a pay raise, only to find themselves without enough money to pay their health insurance premium anymore, let alone pay that and the rent.  This pay raise becomes a false sense of security, and most people celebrate getting a raise, which would only put them in debt in these cases.  I think this is horrible.  Only those who have benefits through their employer are safe from this cliff.


From the Foundry.  Click here to read the entire article.

Beginning in 2014, when the new health insurance exchanges will open for individuals and small businesses, subsidies will become available for those whose income falls between 134 percent and 400 percent of the federal poverty level (FPL). For a family of four living in a high-cost area, earning 134 percent of the FPL ($31,389 in 2014 dollars) would qualify them to receive $22,740 in assistance. A similar family earning an income at 400 percent FPL ($93,699) would qualify to receive $14,799 in subsidies.

The problem is that as income increases, families will experience large reductions in government assistance, which will discourage striving to earn a higher income. According to Kessler, “Economists call large, discontinuous changes in program benefits like this ‘notches.’ Although notches might be administratively convenient, they have terrible incentive effects.” One of these is “a substantial punishment on work effort.” If a member of a family of four living at 400 percent of FPL earns just $1 more, they would receive no subsidy at all, making the family almost $15,000 poorer. This “cliff effect” will have profound implications on the labor market. Heritage analysts Brian Blase and Paul Winfree write, “the subsidy structure creates incentives for individuals to engage in unproductive activities, such as working less and retiring early.” These income “cut-offs,” which already present issues in Medicaid, induce sharp reductions in the labor supply—not good when the economy is already struggling to recover.



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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