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Speaker 1: The Armstrong and Getty Show. So one of Biden's dogs

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Speaker 1: pooped on the floor. You got Major Biden people. Yeah,

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Speaker 1: just when you thought you had the we're monitoring the

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Speaker 1: correct end of the dog. He unleash is from his

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Speaker 1: hind end. And then we saw the joke earlier that

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Speaker 1: now some of Major's anti cat tweets from ten years

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Speaker 1: ago have been found. He's gonna get canceled. Canceled. Fabulous.

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Speaker 1: Please welcome back to The Armstrong and Getty Show. The

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Speaker 1: always informative Craig the healthcare Guru, a k a. Craig

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Speaker 1: Gottwall's attorney at law, benefit consultant and UH for a

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Speaker 1: long time, Craig the Obamacare lawyer who helped us understand

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Speaker 1: what was and actually wasn't in Obamacare and how who

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Speaker 1: was actually going to profit from it, which was completely

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Speaker 1: accurate and definitely not jiving with the mainstream media. Craig,

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Speaker 1: how are you, sir? I am well, how are you, gentlemen? Excellent?

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Speaker 1: Thank despondent. Despondent. You know, Jack, My my twenty year

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Speaker 1: old daughter has despondent too, because I followed your lead

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Speaker 1: this morning and I convinced her that President Biden had

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Speaker 1: outlawed TikTok. She just about died. Yeah. I tweeted at

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Speaker 1: my nine year old that did you hear President Biden

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Speaker 1: outlawed minecraft. He hasn't checked his iPod yet. I can't

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Speaker 1: wait to see the reaction. That is absolutely hilarious. So Craig,

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Speaker 1: I had to set the record straight before she went

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Speaker 1: to work, or it would have been it would have

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Speaker 1: been a long day, I think, Oh yeah, yeah, no kidding.

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Speaker 1: So hey, you reached out to us earlier this week

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Speaker 1: with your always interesting real world analysis of healthcare policy

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Speaker 1: from the administration, and you hit us with some amazing figures.

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Speaker 1: You start where you think is appropriate. Well, the fun

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Speaker 1: fun part of this, and we've got we've got a

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Speaker 1: situation here with a with a with a barking dog

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Speaker 1: going crazy in the background. So we're going to close

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Speaker 1: that off. Okay, we can't even hear it. Fun part

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Speaker 1: of the the COVID Recovery bill, the one point nine

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Speaker 1: trillion that we just passed. Um, there was a pretty

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Speaker 1: massive expansion to Obamacare that is, as always under reported,

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Speaker 1: and so you know, I don't know if we call

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Speaker 1: this the Obamacare report anymore, or maybe just a government

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Speaker 1: healthcare the march towards socialized medicine. But there used to

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Speaker 1: be a provision in Obamacare that said, look, if if

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Speaker 1: your employers not offering healthcare to you that you can afford,

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Speaker 1: we will go ahead and give you taxpayer dollars to

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Speaker 1: afford that healthcare. However, once you get to the point

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Speaker 1: where you're making four times the federal poverty level, which

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Speaker 1: is a hundred and six thousand dollars for a family

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Speaker 1: of four, then you don't get any more taxpayer dollars

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Speaker 1: because you know you're making over as you ought to

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Speaker 1: be able to figure out a way to get your

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Speaker 1: own healthcare. Well, the the new bill just out just

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Speaker 1: removed all of those restraints. So now anybody, even if

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Speaker 1: you're making half a million dollars a year, can get

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Speaker 1: taxpayer dollars to go ahead and buy your Obamacare plan. Insane.

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Speaker 1: The only yeah, the only restraint is that you are

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Speaker 1: never going to be required to pay more than eight

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Speaker 1: and a half percent of your total income. But so

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Speaker 1: you have to use some real world examples. So I

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Speaker 1: went in, I grabbed I just grabbed kind of a

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Speaker 1: random state and city. So in Prescott, Arizona, I pulled

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Speaker 1: up the exchange plans and for a family of five

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Speaker 1: with a sixty year old head of household. Again I

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Speaker 1: used older families to make the point here. So a

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Speaker 1: family of five with a sixty year old head of

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Speaker 1: household would have to if bear Obamacare plan in Prescott,

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Speaker 1: Arizona costs them fifty one dollars per year, and if

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Speaker 1: that family makes three hundred and fifty thousand port per year,

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Speaker 1: taxpayers would give them twenty thousand per year to buy

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Speaker 1: that plan. Hmm. Yeah, Now if if the families make

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Speaker 1: in half a million, they get dollars from taxpayers to

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Speaker 1: buy their Obamacare. So what what do you think the

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Speaker 1: strategy is here? Just get as many people roped into

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Speaker 1: a subsidi of some sort as possible, knowing it will

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Speaker 1: never go backward. You've hit the nail on the head, jack.

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Speaker 1: As as as more people are funneled into taxpayer funded plans,

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Speaker 1: less people care about what things really cost, and so

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Speaker 1: it just becomes this situation where yeah, I pay high taxes,

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Speaker 1: but they give it back to me to buy my healthcare.

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Speaker 1: So it is what it is. Yeah, you get so

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Speaker 1: remember you know this? I think the fact I have

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Speaker 1: to share with you guys every time I'm on your show,

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Speaker 1: sorry to repeat it, but all the way back in

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Speaker 1: U c l A. The Health Policy Institute U s

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Speaker 1: l A did a study that showed of all health

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Speaker 1: care in America was paid for with taxpayer dollars in

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Speaker 1: s in blue states. So that means we're only we're

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Speaker 1: only funding one third, less than one third of healthcare

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Speaker 1: with private dollars anymore. And then we just passed this

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Speaker 1: stimulus bill which is gonna take that percentage up even higher.

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Speaker 1: Right now, half millionaires are going to get taxpayer dollar.

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Speaker 1: You do need to say that every time you're on,

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Speaker 1: because I'm as simple to and forget. Yeah, they arguing

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Speaker 1: over you know, how much government healthcare there should be. Well,

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Speaker 1: if we're at sixty or seventy of it is already

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Speaker 1: government health care. I don't know what we're arguing about anymore.

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Speaker 1: I think those of us who are paying for our

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Speaker 1: own insurance and healthcare are clinging to the ability to

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Speaker 1: do that, the right to do that, and not to

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Speaker 1: be foisted onto some government plan that's going to be

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Speaker 1: you know, like a government anything. And and those people

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Speaker 1: Joe in that are increasingly funding all of our health

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Speaker 1: care or subsidizing all of our health care because another

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Speaker 1: statistic that people can never ever forget is Medicare, Medicaid

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Speaker 1: and all the government programs they don't run efficiently. They're

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Speaker 1: they're incredibly inefficient. In fact, roughly of all dollars running

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Speaker 1: through Medicare Medicaid are fraud, waste, and abuse. But but

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Speaker 1: what what what that means is they can't. So health

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Speaker 1: care is going up at four to six percent per year,

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Speaker 1: no matter or who you talk to, but Medicare is

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Speaker 1: only going up at one point seven percent per year.

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Speaker 1: So what happens, Well, you've got hospitals that are in

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Speaker 1: a situation where if they want to take Medicare Medicaid,

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Speaker 1: and almost all of them do, they can't afford it.

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Speaker 1: That Medicare Medicaid is not even reimbursing what their actual

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Speaker 1: costs are. So what that means is those of us

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Speaker 1: that are intent of private plans, we pay two hundred

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Speaker 1: and forty pc of the cost of a hospital visit

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Speaker 1: that those on Medicare pay, and that percentage is just

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Speaker 1: getting worse and worse. So let me stop you. Why

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Speaker 1: why does the hospitals go ahead and treat the Medicare

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Speaker 1: and medicate patients then because Medicare Medicaid is the largest

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Speaker 1: purchaser of healthcare nationwide, and you either opt in or

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Speaker 1: you opt out. So if if few that do opt out,

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Speaker 1: they have to say goodbye to the largest buyer of

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Speaker 1: health care in the country. You're saying, yeah, well so,

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Speaker 1: so this disparity just gets worse every year. Every year,

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Speaker 1: I look at this stat and it goes to two

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Speaker 1: percent this year. It's two meaning those of us in

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Speaker 1: an ever shrinking third of the economy that are paying

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Speaker 1: for health care are paying exorbitantly more to fund the

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Speaker 1: fact that the government system is highly inefficient and underpace providers.

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Speaker 1: It's it's it's a look, we've we've talked about this before.

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Speaker 1: I stand by my prediction we will have fully socialized

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Speaker 1: medicine in America by It's it's this is all going

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Speaker 1: according to plans. Yeah, yeah, within seven years. You know

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Speaker 1: what you just pointed out a little bit ago, Um,

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Speaker 1: I thought, why haven't I heard that from the Republicans?

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Speaker 1: I mean, why didn't I get that kind of pushback

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Speaker 1: from the Republican Party. And you can blame the media

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Speaker 1: for not having any interest in getting the news out,

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Speaker 1: But I follow a lot of news from the right,

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Speaker 1: so it could get to me and I still don't

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Speaker 1: hear it. They just they're not good at fighting back

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Speaker 1: against this stuff. Right. Craig got Walls is an attorney

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Speaker 1: at Long Benefit Consultant. He's on the line, Craig, go ahead. Well,

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Speaker 1: I was gonna say, Jack, they're not They're not good

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Speaker 1: at it. And um. The other thing you've got to

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Speaker 1: remember here is that you know, there's plenty of blame

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Speaker 1: to go around here. The insurance industry is every bit

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Speaker 1: as much to blame as the government. In this case,

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Speaker 1: I have to say we were down to four major

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Speaker 1: national insurers. It's an oligopoly. It's not a free market.

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Speaker 1: And the way this was, the way this was done

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Speaker 1: in the recent uh COVID bailout, is to launder that

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Speaker 1: money through the insurance industry because you're not you're not

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Speaker 1: putting these newly eligible half millionaires but there are millionaires.

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Speaker 1: They're just making half a million year. You're not putting

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Speaker 1: them on Medicare and Medicaid. You're saying, oh, we'll give

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Speaker 1: you taxpayer dollars to buy these bloated premiums from the

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Speaker 1: four major insurance companies nationwide. So and remember the insurance

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Speaker 1: lobby is the first or second biggest lobby in the

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Speaker 1: United States. So there's a lot of Republicans that are

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Speaker 1: keeping their mouth shut. Yeah, yeah, fair enough. So let's

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Speaker 1: get to the bottom line. And we'll talk many times

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Speaker 1: going into the future, and we'll revisit this topic. But

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Speaker 1: when we slide further and further to of all medical

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Speaker 1: payments are going to be through the government, what's that

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Speaker 1: going to do to medical care in the United States. Well,

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Speaker 1: all of the all of the trends that you you

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Speaker 1: hear people complaining about now, longer wait times, your choices,

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Speaker 1: more bureaucracy, all that stuff is just going to amplify

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Speaker 1: because right now you still have roughly a third of

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Speaker 1: health care that is privately funded. Once we get to

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Speaker 1: the point, and we're really close to that tipping point, folks,

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Speaker 1: once we get to the point where it's you you know,

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Speaker 1: privately or publicly funded, you're just going to have more

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Speaker 1: of that public worker mentality, more of that situation where

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Speaker 1: wait times go on. You know, you've got waiting lists

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Speaker 1: for procedures, you get these crazy things like Jack was

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Speaker 1: talking about, where getting your shot for the COVID vaccine

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Speaker 1: is is kind of just a crapshoot of a morass

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Speaker 1: of mess. You know. Yeah, that's what I worry about.

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Speaker 1: You know, I got my shot because I knew somebody

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Speaker 1: who gave me a tip, not because I followed any

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Speaker 1: of the rules. And I'm worried that that's going to

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Speaker 1: be the way you get your penicillin for your kid,

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Speaker 1: or or your hip operation or anything else. Well, and

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Speaker 1: it's a very so yet way to live too. And

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Speaker 1: I want to point out your story. It's not that

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Speaker 1: you called in a favor because you're a big famous

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Speaker 1: radio guy. You just knew a guy who knew a

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Speaker 1: guy who knew of a pharmacy that often had left overdoses.

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Speaker 1: So it's like, you know, as send to me to

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Speaker 1: a Trotsky's fish market because they usually have a little

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Speaker 1: bass at the end of the day. Because the government,

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Speaker 1: the lines are out the door for the government food. Joe, Joe,

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Speaker 1: let me share with you one more thing. I know

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Speaker 1: we're running out of time, but a couple of years

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Speaker 1: ago we talked about how the Trump administration passed new

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Speaker 1: regulations forcing hospitals to disclose the real prices for procedures,

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Speaker 1: not the not the phony prices, but the prices that

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Speaker 1: insurance companies actually pay, which was a huge victory for consumers, right,

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Speaker 1: huge victory for consumers, huge victory, and anyway, that went

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Speaker 1: into law January one of this year, the Wall Street

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Speaker 1: Journal just did an investigation and reported that two thirds

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Speaker 1: of the top hospitals in the country have not yet

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Speaker 1: complied with that law, and most of them are purposefully

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Speaker 1: embedding code on their websites to make the price is

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Speaker 1: unsearchable by search engines like Google. So plenty of blame

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Speaker 1: to go around here. You've got hospitals hiding the fact

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Speaker 1: that they charge focus prices, You've got the government working

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Speaker 1: with them to help them do that. It's it's it's

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Speaker 1: mobbed up so bad at this point, guys that I

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Speaker 1: feel bad for my industry when you have then a

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Speaker 1: few insurance companies making gobs and gobs of money exactly.

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Speaker 1: This is this is this is the opposite of capitalism.

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Speaker 1: This is chrony capitalism. This is government with its tentacles

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Speaker 1: into capitalism and making some rich, picking winners and losers.

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Speaker 1: When people bitch about the free market, what they're usually

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Speaker 1: griping about is this, and it's galling. But I don't know,

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Speaker 1: I couldn't said it better. Joe. That's exactly right when

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Speaker 1: whenever anybody talks about free market healthcare, reminds them we

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Speaker 1: don't have that, and we haven't had it for forty

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Speaker 1: plus years in America. Final observation, our guest is more

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Speaker 1: responsible keeping us on time than we are. Craig, thanks

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Speaker 1: a million, and it's it's always great to talk. We

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Speaker 1: appreciate the perspective. There's this, this is and I'm not

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Speaker 1: bragging because you get all the credit. This is the

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Speaker 1: only show in America you can get actual factual discussion

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Speaker 1: of healthcare policy and how it works. So for better

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Speaker 1: or worse. Thanks Craig, Well, thank you appreciate it, and

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Speaker 1: we'll get into the long conversation. I always ask about

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Speaker 1: the the untethering work from insurance that were headed toward

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Speaker 1: when it's government healthcare. You know, uh, some people think

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Speaker 1: that's fantastic. Um, I hope they're right. But I took

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Speaker 1: a lot of jobs in my life because I wanted

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Speaker 1: to always have healthcare. It kept me in a certain

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Speaker 1: path on life because I need to have healthcare. If

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Speaker 1: I couldn't, if I could have had free healthcare, and

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Speaker 1: you know, been in a band, or been an artist

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Speaker 1: or whatever only and not had a real job somewhere,

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Speaker 1: like when I worked at UPS or a hardware store,

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Speaker 1: or various jobs that I've taken to make sure I

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Speaker 1: had insurance I wouldn't have and a lot of people

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Speaker 1: won't in the future. Well, and combine that with untethering

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Speaker 1: work from welfare and untethering work from a lot of

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Speaker 1: other bad consequences. That's one of the reasons why the

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Speaker 1: West Coast and other places are absolutely clogged with bombs

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Speaker 1: and junkies, because we've untethered the consequences of not working

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Speaker 1: from not working far strong and