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Speaker 1: Wednesday. It's a time of the week normally hearing from

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Speaker 1: Donald O'Neil from Americans for prosperity. But you know what,

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Speaker 1: Americans will prosperity filled with a bunch of great people.

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Speaker 1: It's not just Donald and' neil. Today, Lauren Stewart joins

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Speaker 1: the program from AFP, subbing in for Donovan and Neil

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Speaker 1: to talk about Obamacare subsidies, all the rage these days

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Speaker 1: as far as a topic. Laurence Stewart, Welcome to the

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Speaker 1: Morning Show. It's a real pleasure to have you on.

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Speaker 2: It's a pleasure to be on. I will do my best.

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Speaker 2: I've got big shoes to follow with Donan.

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Speaker 1: I'm sure you're gonna be fine, So listen this. The

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Speaker 1: Obamacare fraud is just absolutely insane. I brought back up

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Speaker 1: a topic I talked about last week, this GAO report

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Speaker 1: where they tested the Obamacare substies and found out that

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Speaker 1: no one is minding the store. Now, I will acknowledge

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Speaker 1: that there's some paper obligations. You're supposed to provide your

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Speaker 1: income level, You're supposed to provide a proper Social Security

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Speaker 1: number in order to get enrolled, YadA, YadA, YadA. No

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Speaker 1: one's minding the store behind the scenes. So these so

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Speaker 1: called protections against fraud wasted abuse seem to exist on paper,

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Speaker 1: but if someone isn't following up, people get the word

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Speaker 1: and it ends up literally billions and billions of dollars.

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Speaker 1: And the figures you have from Americans for prosperity, the

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Speaker 1: under the recent expansions that costs the American taxpayers one

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Speaker 1: hundred and twenty five billion dollars a year, a lot

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Speaker 1: of it is fraud wasted abuse. I think we're owed

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Speaker 1: an obligation to mind the store, and we boil it

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Speaker 1: down on the along those simplistic terms. But let's listen

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Speaker 1: to that. Let's talk the reasons. Why. Why were there

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Speaker 1: Why was there a waiver on the income eligibility cap

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Speaker 1: of sixty two to five? It was COVID, right, yes, yeah, So.

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Speaker 2: That's the first thing to understand about what we call

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Speaker 2: the BIBE in COVID credits was this was a temporary

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Speaker 2: or supposedly right nothing Ronald Reagan says, nothing lasts as

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Speaker 2: long as a temporary government program, and I think we're

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Speaker 2: seeing tempt at that at play here. But these are

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Speaker 2: meant to be a temporary emergency provision during the COVID pandemic.

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Speaker 2: I don't think we can point to a single COVID

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Speaker 2: policy that was worthwhile. This is certainly example of that.

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Speaker 2: To get more people in roles in Obamacare, the method was,

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Speaker 2: you know, provide support for people who are maybe losing

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Speaker 2: their jobs and need health insurance. But to your point,

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Speaker 2: no one was minding the store. I ordered takeout last

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Speaker 2: night and had to do two step verification to get

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Speaker 2: my pizza delivered to my front door. Yet on the

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Speaker 2: ACA there are thousands of invalid and non existent Social

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Speaker 2: Security numbers that are receiving subsidized health coverage. And I

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Speaker 2: mean you might say, how are they receiving it if

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Speaker 2: they're not people including the fifty eight thousand social securities

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Speaker 2: of diseased and rolies. Well, the assurance companies are receiving

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Speaker 2: these subsidies and just banking them because they're not actually

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Speaker 2: providing any healthcare or coverage for these hypothetical people. Another

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Speaker 2: example that's still illustrated in this is one single social

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Speaker 2: Security number appeared on over one hundred and twenty policies

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Speaker 2: and another was used for over seventy one years of coverage.

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Speaker 2: You cannot make this stuff.

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Speaker 1: Up, No, you can't, and you know, the lawyer on

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Speaker 1: me immediately says, wait a second. The insurance companies are

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Speaker 1: accepting this money but they're not using it in connection

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Speaker 1: with someone's medical care, then maybe they're culpable in some

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Speaker 1: legal sense. Maybe they should be brought to justice for

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Speaker 1: accepting money and taking money when the knew full well

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Speaker 1: that they weren't doing anything with the money except pocketing it.

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Speaker 2: This is where government is too big, right, and we

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Speaker 2: hear this a lot across issues, But if the government

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Speaker 2: is setting up a subsidy program, it's actually on them

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Speaker 2: to fraud check and double check that people social security

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Speaker 2: numbers are correct. I mean, I would love for insurance

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Speaker 2: to say, hey, we're making forty billion extra dollars a

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Speaker 2: year based on fraud or the twenty four million in

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Speaker 2: rollies that you guys are accounting for, only twelve million

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Speaker 2: actually used health insurance last year. The other half didn't

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Speaker 2: have a single medical claim. Highly suspiciously. But if the

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Speaker 2: government's going to get this big and think their fingernails

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Speaker 2: this far into healthcare, it is on them to be

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Speaker 2: responsible and keep it up. But at the end of

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Speaker 2: the day, we know that government involvement in healthcare actually

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Speaker 2: has driven up the cost for American patients and families tremendously.

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Speaker 2: I mean, we're talking about premium increases over seventy five

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Speaker 2: percent from Obamacare's implementation. So ideally, if the government's going

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Speaker 2: to do something, they're going to fraud check themselves because

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Speaker 2: it's actually coming out of their bank account, the United

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Speaker 2: States Treasury.

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Speaker 1: Yeah, and therein lies the rub and no one's government

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Speaker 1: seems to really care that there's fraud wasted abuse because

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Speaker 1: they can print money and they don't have a fiduciary

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Speaker 1: obligation to the American tax player. There's a number of

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Speaker 1: other points we need to go over on this, because

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Speaker 1: there is just insane amounts of holes and problems with

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Speaker 1: this Obamacare things. Let's pause. We will bring Lauren Stewart

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Speaker 1: from Americans for Process, already doing an admirable job this

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Speaker 1: morning station seven forty here if you have kc DE

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Speaker 1: talk station, No, it's not Donald and Neil for Americans

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Speaker 1: for Prosperity, it's Lauren Stewart. We're running through the multiple

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Speaker 1: reasons to let Biden's COVID credits expire. Lauren, I must

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Speaker 1: observe as I have multiple many times and my listeners

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Speaker 1: maybe know what's coming. As we went into the shutdown,

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Speaker 1: the Republicans agree to the twenty twenty four spending levels

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Speaker 1: to deprive the Democrats of an argument about cuts those

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Speaker 1: evil Republicans are gonna cut, so it makes their argument

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Speaker 1: about what they wanted, you know, a little more plausible. No,

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Speaker 1: we're keeping funding levels at the Biden here, you've got

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Speaker 1: nothing to complain about. You're the one that put the

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Speaker 1: expiration of the subsidies in place end of December. We're

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Speaker 1: gonna let that happen. COVID's over. So lots of great

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Speaker 1: reasons or arguments to defeat what the Democrats wanted. But

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Speaker 1: here we are again. They're teeing up the subsidies again,

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Speaker 1: and we got more Republicans now thinking about, well, maybe

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Speaker 1: go ahead and do that. Let's continue the subsidies until

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Speaker 1: we get past twenty twenty six, because the Democrats are

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Speaker 1: going to be screaming and about the evil Republicans taking

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Speaker 1: away medical insurance from millions of Americans. They got that

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Speaker 1: political argument staring in the face. So, Lauren, what's the alternative.

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Speaker 1: They can't even get the twelve appropriations build passed by

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Speaker 1: the deadline, which has been extended. How are they going

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Speaker 1: to get in a fix to this massive problem before

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Speaker 1: the subsidies expire, before a vote on the subsidies. I

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Speaker 1: don't see that as even possible. Where are we, Lauren?

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Speaker 2: So? Number one, a way to lower costs for Americans

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Speaker 2: on the Affordable Care Act and outside of the Affordable

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Speaker 2: Care Act is to allow the Biden COVID credits to expire.

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Speaker 2: These COVID credits drive up inflationary healthcare costs for folks

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Speaker 2: within the ACA. Here's what we're talking about. For folks

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Speaker 2: and in the ACA, over a third of their medical

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Speaker 2: claims are denied nineteen thousand dollars in out of pocket costs.

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Speaker 2: So we need these Biden COVID credits to go way

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Speaker 2: just to bring down those numbers within the ACA. Furthermore,

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Speaker 2: whatever the government subsidizes, the rest of us have to

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Speaker 2: increase our pain and on to pay for our own

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Speaker 2: health insurance and then also for these subsidies. So Number one,

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Speaker 2: what they need to do. What is the most important

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Speaker 2: fix Congress can do right now regarding the Biden COVID

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Speaker 2: credits is nothing. They're set to expire. Let them expire.

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Speaker 2: Number two, there are real reforms and other options out

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Speaker 2: there that are led by conservatives. Now, do I think

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Speaker 2: they get to the president's death by the end of

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Speaker 2: the year. I don't think so, but that would be wonderful.

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Speaker 2: And I'm not rolling anything out. It's Christmas season, so

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Speaker 2: we'll see. But these conservative Republican lead proposals emphasize on

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Speaker 2: the real crux of the issue here in healthcare, and

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Speaker 2: that's lowering costs and increasing access. So you see alternatives

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Speaker 2: like the Cassidy Creboats proposal, which focuses on funding patients,

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Speaker 2: not insurance companies, similar with other proposals in the House

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Speaker 2: of Representatives that expand tools like how Sam's accounts you're

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Speaker 2: able to put away your own tax advantage dollars to

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Speaker 2: use for qualified medical expenses. Anything you pay for with

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Speaker 2: the n AHSA is already fifteen to seventeen percent cheaper

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Speaker 2: right off the top because of the tax advantage. Let

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Speaker 2: alone that in some instances it is actually faster and

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Speaker 2: more affordable to self pay for various aspects in health care.

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Speaker 2: So what's different about this healthcare fight is than say,

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Speaker 2: the implementation of Obamacare, even repail and replaces that. There

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Speaker 2: are a number of other conservative lead solutions that do

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Speaker 2: drive down costs, increase access, and really work to empower patients,

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Speaker 2: not the system and not the government in healthcare. So

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Speaker 2: what is ahead is really looking at who stands for

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Speaker 2: what on that leader soon tomorrow is going to put

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Speaker 2: the Schumer three year clean extension. Democrats are aoka with

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Speaker 2: fifty eight thousand deceased and rolies getting care, twelve million

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Speaker 2: enrollies not using their medical care, all of the fraud,

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Speaker 2: waste and abuse that comes with these Biden COVID credits.

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Speaker 2: Going to give Democrats the opportunity to vote in favor

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Speaker 2: of a three year clean extension. He's also going to

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Speaker 2: put a solution on the floor that is a really

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Speaker 2: great line in the sand and framework for conservative care

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Speaker 2: that Cassidy Crepo plan. Now it is brand new, a

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Speaker 2: lot of Senators that are going to want to offer

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Speaker 2: their feedback, but we'll be able to see what side

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Speaker 2: law make your stand on in terms of you know,

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Speaker 2: what are we for here? Are we for funding patients

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Speaker 2: or are we for funding insurance and keeping up with

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Speaker 2: the status quota. Quite frankly, twenty twenty four are voters

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Speaker 2: rejected swiftly with the election of both Republican majorities and President.

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Speaker 1: Trump, Well, I am painfully a where there's a private

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Speaker 1: medical insurance market out There's hundreds of medical insurance providers

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Speaker 1: out there that are not Obamacare. If we have the

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Speaker 1: right to exercise our free choice when it comes to

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Speaker 1: selecting policies, I do commercials for a guy who does that.

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Speaker 1: He's a broker. He works with hundreds of insurance companies.

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Speaker 1: You go in, he finds a package of policies that

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Speaker 1: fit you. You can afford it. You get dollar one coverage.

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Speaker 1: It's a lot less than Obama Care with the ten thousand,

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Speaker 1: five hundred dollars out of pocket liability. It's just that

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Speaker 1: most people aren't aware of the private market out there.

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Speaker 1: They've been sold this bill of goods that you either

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Speaker 1: get your employee sponsored program or you go on Obamacare. No,

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Speaker 1: there's a lot of options in the world, and it seems

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Speaker 1: to me a little bit of more education in marketing

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Speaker 1: along those lines might go a long way to save

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Speaker 1: people money.

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Speaker 2: Right now, You're absolutely right. The innovations we have in

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Speaker 2: healthcare and health insurance are at an all time peak,

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Speaker 2: and the folks who have access to those are beyond

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Speaker 2: blessed and beyond satisfied that they're out of the status

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Speaker 2: quo vicious cycle of regular health insurance. The interesting component

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Speaker 2: to that, and what we're seeing in terms of the

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Speaker 2: Biden Codd credits and the difference in how it affects

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Speaker 2: various states, is that some states actually outlaw those additional options.

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Speaker 2: Some states, especially Blue states, have worked very hard to

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Speaker 2: consolidate their health insurance market so that people actually don't

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Speaker 2: have access to that. So, for instance, my home state

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Speaker 2: of Massachusetts, sure you can have an HSA, but you

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Speaker 2: cannot use NHSA for anything that your insurance would cover.

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Speaker 2: So literally, you have Blue states telling people what they

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Speaker 2: can and cannot use their own hard earned dollars oho

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Speaker 2: the healthcare.

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Speaker 1: That's crazy. I mean, just look, pete, listeners just process

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Speaker 1: that it's your money placed in your own health savings account,

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Speaker 1: and they're telling you what you can and can't spend

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Speaker 1: it on. If that money wasn't a health savings account,

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Speaker 1: you can spend your money any damn way you want.

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Speaker 1: Oh my god, it's an HSA, so you can't. I'm sorry,

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Speaker 1: that's just wrong. And the reason is they want you

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Speaker 1: to have to default to Obamacare. I mean, I know

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Speaker 1: in the AFP, Americans for Prosperity notes, millions abandoned their

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Speaker 1: existing coverage and in order to go for this quote

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Speaker 1: unquote free option because the subsidies made it appeared free.

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Speaker 1: But that merely encouraged dependency on the government program, which

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Speaker 1: is exactly what the Democrats want. This is the stepping

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Speaker 1: block or stepping stone to medicaid for all Obamacare is,

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Speaker 1: and that's the direction they want to go. They want

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Speaker 1: to deprive you of all the other options that exist

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Speaker 1: right now, that's one.

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Speaker 2: Hundred percent right. The reason they want to deprive you

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Speaker 2: of all of even having access to those options is

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Speaker 2: because they're better, right, and given opportunity, you're not going

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Speaker 2: to choose Obamacare. You're going to choose something or you

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Speaker 2: know what, maybe maybe you are. At AFP, we're we're

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Speaker 2: not advocating for a repeal and replace Obamacare. We're advocating

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Speaker 2: for strong, swift reforms. But we believe all Americans to

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Speaker 2: have a personal option when it comes to their healthcare.

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Speaker 2: Health care happens to be I think the most personal

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Speaker 2: thing I think about with my family, especially as a

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Speaker 2: new mom, I kind of run the traps on our

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Speaker 2: health care and I want to make sure that myself,

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Speaker 2: my husband, my son, and my dog athough a little

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Speaker 2: bit separate. There have all of the access and options

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Speaker 2: that we would like. So maybe for a family, maybe

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Speaker 2: my neighbors across the street are like, I really like

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Speaker 2: my Obamacare plan. I haven't met anybody who said that

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Speaker 2: just stick caveat there, but we want you to be

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Speaker 2: able to use the health insurance to drive the healthcare

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Speaker 2: that that fits the needs of you and your family.

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Speaker 2: No one single family has the family exact needs as

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Speaker 2: another one, So crowding out all of these options that

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Speaker 2: really speak to that in different combinations of options is

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Speaker 2: like you said, a move to centralized and socialized healthcare

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Speaker 2: single payer. We believe there shouldn't be a public option,

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Speaker 2: there should be a personal option.

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Speaker 1: We all know the world of competition creates more efficiencies

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Speaker 1: and better products. Give us the right to choose. Maybe

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Speaker 1: Obamacare will be our choice, but if we can choose

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Speaker 1: to go a different route with a different perhaps one

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Speaker 1: of these other private insurance companies, then we'll go that

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Speaker 1: route and everyone will be forced to step up to

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Speaker 1: the plate and make their product more marketable. That would

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Speaker 1: include Obamacare, which, as you point out in the note,

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Speaker 1: since twenty twenty Affordable Care Act premiums have risen seventy

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Speaker 1: five percent. Welcome to Obamacare. Oh it's insane, Lord, I

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Speaker 1: can't believe we're living this reality, but there you are,

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Speaker 1: and a lot of forces are forcing us in that

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Speaker 1: direction and depriving us of choice and what is supposed

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Speaker 1: to be a free society. Americans for Prosperity usually have

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Speaker 1: some action items for us. What can my listeners do

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Speaker 1: to well interject their comments and their desires into this process?

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Speaker 1: Lauren Stewart absolutely.

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Speaker 2: Well, certainly, you know, check out our healthcare initiative personaloption

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Speaker 2: dot com. That's going to have all of our up

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Speaker 2: to date initiatives in regards to the personal Option. I

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Speaker 2: love it because it's a different, more nuanced way of

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Speaker 2: thinking about healthcare and really driving the fact that health

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Speaker 2: insurance is not necessarily healthcare and the different ways that

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Speaker 2: you can be empowered as an American patient and family.

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Speaker 2: And then, you know, just keep up with us on

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Speaker 2: Twitter and x at, AFP, HQ, and of course continue

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Speaker 2: to have mister Neil back on because we are so

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Speaker 2: lucky to have him, and he's certainly a hell in

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Speaker 2: when it comes to healthcare.

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Speaker 1: He is that. But Lauren Stewart, you did an admirable

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Speaker 1: job today. I appreciate your willingness to talk to my

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Speaker 1: listeners to me about this unbelievably important topic. And uh

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Speaker 1: I will encourage my listeners to go to the websites

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Speaker 1: and learn and help out. Laurence Stewart. I hope to

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Speaker 1: have you on again someday. Fifty five krs DE talk station.

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Speaker 1: You want to save money