CARSON CITY, Nevada (March 16, 2017) – A bill introduced in the Nevada Senate would help facilitate healthcare freedom and set the stage to nullify federal programs, like Obamacare, in practice.
Sen. Patricia Farley (R-Las Vegas) introduced Senate Bill 208 (SB208) on Feb. 27. The legislation specifies that direct primary care agreements (sometimes called medical retainer agreements) do not fall under the state insurance regulation code, thereby freeing doctors and patients from the onerous requirements and regulations under the state insurance code.
SB208 includes provisions defining and establishing requirements for direct primary care agreements.
According to Michigan Capitol Confidential, by removing a third party payer from the equation, medical retainer agreements help both physicians and patients minimize costs. Jack Spencer writes:
“Under medical retainer agreements, patients make monthly payments to a physician who in return agrees to provide a menu of routine services at no extra charge. Because no insurance company stands between patient and doctor, the hassles and expense of bureaucratic red tape are eliminated, which have resulted in dramatic cost reductions. Routine primary care services (and the bureaucracy required to reimburse them) are estimated to consume 40 cents out of every dollar spent on insurance policies, so lower premiums for a given amount of coverage are another potential benefit.”
This represents the kind of cost control Obamacare promised, but failed to deliver.
Under Obamacare, regulations define such programs as a primary care service and not a health insurance plan, and current IRS policy treats these monthly fee arrangements just like another health plan.
A FIRST STEP
At this point, it appears the Republicans will not actually repeal Obamacare, and the changes to the plan may make things worse. Regardless, state actions can help completely bring down the Affordable Care Act.
Oftentimes, supporters of Obamacare criticize opponents for not having any alternative. Direct primary care offers one.
These direct patient/doctor agreements allow a system uncontrolled by government regulations to develop. It makes doctors responsive to patients, not insurance company bureaucrats or government rule-makers. Allowing patients to contract directly with doctors via medical retainer agreements opens the market. Under such agreements, market forces will set price for services based on both demand instead of relying on central planners with a political agenda. The end-result will be better care delivered at a lower cost.
A more open healthcare marketplace within a state will help spur de facto nullification the federal program by providing an affordable alternative. As patients flock to these arrangements and others spurred by ingenuity and market forces, the old system will begin to crumble.
Passage of SB208 would represent a first step toward healthcare freedom in Nevada, and would create a stepping stone to further action to nullify the onerous Affordable Care Act, or its Republican equivalent. Once in place, Nevada citizens can take further steps to fully extricate themselves from federal healthcare for good.
For more information on a plan to nullify the PPACA, click HERE.
SB208 has been referred to the Senate Committee on Commerce, Labor and Energy where it must pass by a majority vote before moving forward in the legislative process.