WEBVTT - Stop Saying Mothership! 0:00:01.880 --> 0:00:06.160 Broadcasting live from the Abraham Lincoln Radio Studio the George 0:00:06.200 --> 0:00:07.640 Washington Broadcast Center. 0:00:07.800 --> 0:00:10.280 Jack Armstrong and Joe Getty. 0:00:10.119 --> 0:00:24.680 I'm strong and Jetty and he armstrong and yetty. 0:00:24.960 --> 0:00:29.520 The recent assassination of the healthcare CEO has caused a 0:00:29.560 --> 0:00:32.880 number of people to display their true colors, including one 0:00:33.000 --> 0:00:34.120 Elizabeth Warren. 0:00:34.720 --> 0:00:38.519 Stop and think overall about the social contract, get a 0:00:38.560 --> 0:00:42.800 part of the deal, and how we've kept this democracy's 0:00:42.880 --> 0:00:46.040 economy of this country on a fairly steady path for 0:00:46.080 --> 0:00:48.720 more than two hundred years has been that those at 0:00:48.720 --> 0:00:52.040 the top pay a little more in taxes, are a 0:00:52.200 --> 0:00:56.320 little less rich than they otherwise might be, and everybody 0:00:56.320 --> 0:00:59.920 else at least gets chance. And what happens when you 0:01:00.240 --> 0:01:04.640 turn this into the billionaires run at all is they 0:01:04.680 --> 0:01:08.200 get the opportunity to squeeze every last penny. Yeah, and look, 0:01:08.280 --> 0:01:10.720 we'll say it over and over. Violence is never the answer. 0:01:10.800 --> 0:01:14.640 This guy gets a trial who's allegedly killed the CEO 0:01:14.720 --> 0:01:15.600 of United Health. 0:01:16.160 --> 0:01:18.320 But you can only push people so far. 0:01:19.120 --> 0:01:22.320 And then they start to take matters into their own hands. 0:01:22.400 --> 0:01:27.320 Yeah, nan, no, no no no no no no no 0:01:27.319 --> 0:01:29.960 no no, I'm just doing the tomahawk chop. 0:01:30.319 --> 0:01:33.920 How in the world does she keep getting elected? Elizabeth Warren. 0:01:34.200 --> 0:01:36.720 So let's talk about the murder of the healthcare CEO, 0:01:36.840 --> 0:01:40.640 the reaction to it, and all matters healthcare with Craig Gotwalls. 0:01:40.640 --> 0:01:44.360 Craig the healthcare guru, attorney, law benefit consultant, benefit of Revolution, 0:01:44.560 --> 0:01:46.600 and good longtime friend of the AG show. 0:01:46.640 --> 0:01:47.440 Craig, How are you, sir? 0:01:48.880 --> 0:01:50.760 I'm great, gentlemen, Thank you much for having me on. 0:01:50.960 --> 0:01:52.720 First of all, Joe and I went with humor around 0:01:52.760 --> 0:01:55.600 the fact that she's a pretend Indian and glossed over 0:01:55.680 --> 0:02:01.320 how outrageous that is what she just said. Excuse me, 0:02:01.440 --> 0:02:03.720 so much wrong with that on every level anyway. 0:02:04.160 --> 0:02:07.400 Now, Craig, is you as a person who has immerged 0:02:07.560 --> 0:02:10.239 in the world of benefits and health care and insurance 0:02:10.240 --> 0:02:12.480 and that sort of thing, and a person of good conscience, 0:02:12.520 --> 0:02:16.480 et cetera, and a student of the media. What have 0:02:16.800 --> 0:02:21.880 what's your reaction been to the murder and the ensuing discussion. 0:02:21.919 --> 0:02:23.680 I know you've probably got a million things to say. 0:02:25.480 --> 0:02:29.080 Yeah, I think the oversimplified reaction I would give is, 0:02:30.200 --> 0:02:32.600 you know, just the assumption that, like I just don't 0:02:32.639 --> 0:02:35.440 even engage in the whole concept and the idea of 0:02:35.639 --> 0:02:38.200 you know, it's appropriate to slaughter people in the streets, 0:02:38.400 --> 0:02:40.760 one individual because you don't like what a whole industry 0:02:40.840 --> 0:02:46.160 is doing. I mean, obviously it's the most insane, ridiculous, murderous, 0:02:46.360 --> 0:02:48.960 horrific way you would ever address any issue. And so, 0:02:49.120 --> 0:02:52.320 of course, I think, guys, I think a lot of 0:02:52.360 --> 0:02:54.079 what you're seeing out there is sort of like you've 0:02:54.080 --> 0:02:57.280 said in the past, you know, like you're frustrated at something, 0:02:57.320 --> 0:03:00.120 you're angry at something, and part of humor is is 0:03:00.280 --> 0:03:02.359 the dark sort of stuff that you're not willing to 0:03:02.360 --> 0:03:04.200 say out loud. And I think a lot of what 0:03:04.240 --> 0:03:06.400 we're seeing online is probably that, you know, just the 0:03:06.440 --> 0:03:10.519 irreverent attempts at humor. But I mean, obviously this isn't 0:03:10.520 --> 0:03:12.520 the way to address the matter. I mean, we've created 0:03:12.520 --> 0:03:16.800 this government corporate alliance in healthcare that is just bullied 0:03:16.800 --> 0:03:19.520 the American people for really for sixty years, but most 0:03:19.520 --> 0:03:22.600 intensely for thirty years, and so you just have tremendous 0:03:22.639 --> 0:03:25.400 frustration out there, and a lot of people just don't 0:03:25.400 --> 0:03:28.640 even really understand where they should channel their frustration. So 0:03:28.680 --> 0:03:32.800 a lot of the frustration channeling, if you will, is 0:03:32.840 --> 0:03:35.320 falling along party lines like everything else in our world. 0:03:35.440 --> 0:03:38.680 So some people blame the government, some people blame private 0:03:38.680 --> 0:03:40.800 equity and large corporations, and I'm here to tell you 0:03:40.880 --> 0:03:42.440 there's plenty of blame to go around. 0:03:43.080 --> 0:03:45.360 Yeah. The one thing that's frustrated me, frustrated me, and 0:03:45.400 --> 0:03:47.600 maybe you've heard us hammer on it, is that all 0:03:47.600 --> 0:03:50.280 these people who are howling about the greed of the 0:03:50.320 --> 0:03:53.680 healthcare companies, the insurance companies and all, they never mentioned 0:03:53.760 --> 0:03:58.480 the unholy nexus with government and how Obamacare in particular 0:03:58.680 --> 0:04:02.440 just utterly perverb the industry. 0:04:02.560 --> 0:04:04.800 Yes, it's funny you bring that up. I was thinking 0:04:04.800 --> 0:04:06.720 of you know that the book that is cited. You know, 0:04:06.760 --> 0:04:08.840 he had words written on the bullets and a lot 0:04:08.880 --> 0:04:12.120 of people jumped on the book Delay Defend, excuse me, 0:04:12.160 --> 0:04:15.320 Delay Deny Defend by Jay Feinman was the book. That 0:04:15.360 --> 0:04:19.800 book was written in twenty ten. So the reality is there, 0:04:20.080 --> 0:04:24.040 if there ever was a time when large insurance companies 0:04:24.080 --> 0:04:30.440 were financially economically motivated to deny claims systematically, that may 0:04:30.520 --> 0:04:33.160 have existed prior to twenty ten. Now there's a whole 0:04:33.160 --> 0:04:35.919 other economic argument that it's bad for the insurance industry. 0:04:35.920 --> 0:04:38.120 Its claims don't grow, they want claims to grow because 0:04:38.120 --> 0:04:40.240 that's how they charge more premium. But set that aside 0:04:41.040 --> 0:04:43.719 if you accept the fact that, okay, before twenty ten, 0:04:44.040 --> 0:04:46.760 they wanted to deny claims right to keep more money. 0:04:47.240 --> 0:04:50.039 That all changed with Obamacare, because, as a reminder for 0:04:50.160 --> 0:04:53.800 your listeners, Obamacare coming in the law in March of 0:04:53.839 --> 0:04:58.280 twenty ten specifically said okay, now there's price controls. Now 0:04:58.320 --> 0:05:02.880 an insurance company may we keep fifteen percent more than claims. 0:05:02.960 --> 0:05:04.440 So what that means is when you add up all 0:05:04.440 --> 0:05:07.479 the medical claims in a giving year, the insurance company 0:05:07.560 --> 0:05:09.600 is allowed to keep fifteen percent of that for its 0:05:09.600 --> 0:05:13.640 profit and overhead. So everything flipped with Obamacare. The whole 0:05:13.680 --> 0:05:16.400 incentive to keep costs down went away, and insurance companies 0:05:16.560 --> 0:05:19.880 very quickly realized in twenty ten, oh my god, we 0:05:20.000 --> 0:05:22.160 need claims to grow because that's the only way we 0:05:22.200 --> 0:05:25.440 can charge more premium. So it's funny that a lot 0:05:25.440 --> 0:05:28.520 of this this is like you guys talk about when 0:05:28.560 --> 0:05:31.160 you hear the mainstream media talk about radio. It's way 0:05:31.160 --> 0:05:33.600 more wrong than it's right. That's what's going on here 0:05:33.720 --> 0:05:36.000 is everybody's talking about this. This book that was written 0:05:36.040 --> 0:05:38.279 in twenty ten that spoke about a landscape that just 0:05:38.320 --> 0:05:39.520 doesn't even exist anymore. 0:05:39.680 --> 0:05:40.680 Well, that's interesting. 0:05:40.680 --> 0:05:44.360 And then in his manifesto he talked about how we 0:05:44.400 --> 0:05:47.599 have the worst life expectancy of any first world country 0:05:47.680 --> 0:05:50.960 or whatever, and then I heard that broken down yesterday 0:05:51.160 --> 0:05:52.000 on how. 0:05:53.520 --> 0:05:55.520 There's a number of reasons why that's inaccurate. 0:05:55.560 --> 0:05:58.520 We count a life expectancy different than a lot of 0:05:58.520 --> 0:06:03.760 people that put out their data around childhood deaths in 0:06:03.800 --> 0:06:07.440 the first year. We also are the only country on 0:06:07.520 --> 0:06:10.200 the list where people drive a lot, and we have 0:06:10.240 --> 0:06:13.120 a lot of deaths from automobiles. And then we have 0:06:13.160 --> 0:06:15.719 a certain segment of society that's constantly shooting each other. 0:06:15.920 --> 0:06:17.520 If you take all those out, our life. 0:06:17.360 --> 0:06:19.760 Expectancy is pretty good, and it's got nothing to do 0:06:20.200 --> 0:06:24.039 None of those things have anything to do with health insurance. No, 0:06:24.200 --> 0:06:27.400 you're exactly right, Jack, and deathly sentinel has nothing to 0:06:27.400 --> 0:06:30.719 do with the level of my deductibles, right, yeah, yeah, 0:06:30.720 --> 0:06:33.080 go ahead, Craig, Yeah. 0:06:32.440 --> 0:06:32.920 No, no, no. 0:06:32.960 --> 0:06:34.800 I was just going to say, and then if there 0:06:34.880 --> 0:06:37.279 is I would just say, you know, being inside of 0:06:37.279 --> 0:06:40.240 the healthcare industry and understanding all of the various landmines 0:06:40.279 --> 0:06:42.920 in this world, if there is one thing we have 0:06:42.960 --> 0:06:46.200 gotten incredibly good at as a society. It's keeping people 0:06:46.240 --> 0:06:50.080 along who have acute conditions, gunshot wounds, you know, heart attack, 0:06:50.200 --> 0:06:53.440 putting stents in addressing strokes right away, or our healthcare 0:06:53.480 --> 0:06:56.560 system is amazing at addressing acute issues. We're horrible at 0:06:56.560 --> 0:06:58.200 addressing chronic conditions. 0:06:58.920 --> 0:07:01.760 Yeah, yeah, well I'd like to hear more about that. 0:07:01.839 --> 0:07:05.400 Maybe next segment. Can you give folks a three to 0:07:05.440 --> 0:07:08.680 four minute whatever you think is appropriate little primer for 0:07:08.960 --> 0:07:13.560 people are not hip to this, the relationship between government 0:07:13.680 --> 0:07:17.640 paid healthcare services and what they paid doctors and hospitals 0:07:17.640 --> 0:07:20.520 and stuff, and those of us with private insurance, and 0:07:21.120 --> 0:07:22.800 how Congress has handled the whole thing. 0:07:23.920 --> 0:07:26.160 Yeah, so this started all the way back in the 0:07:26.240 --> 0:07:28.960 late nineties. It started. It started with Clinton. Bush could 0:07:29.000 --> 0:07:30.800 kick the can down the road. Obama kicks the can 0:07:30.840 --> 0:07:33.640 down the road. Every president's guilty of this issue. But 0:07:33.680 --> 0:07:37.560 what happened starting in the nineties was medical inflation, like 0:07:37.680 --> 0:07:40.640 true inflation. What hospitals and doctors needed to treat you 0:07:41.080 --> 0:07:43.560 was going up faster than Medicare and Medicaid, which is 0:07:43.760 --> 0:07:46.040 you know, when we talk about government healthcare, it's overwhelmingly 0:07:46.080 --> 0:07:49.320 Medicare and Medicaid inflation was going up faster than Medicare 0:07:49.360 --> 0:07:53.320 and Medicaid could handle. So one of the ways that 0:07:53.360 --> 0:07:56.880 the government we're talking Congress, right, we're talking our legislature, 0:07:56.920 --> 0:07:59.880 one of the ways they would pass these massive boondogle 0:08:00.080 --> 0:08:03.360 laws was to say, well, you know, it's a huge 0:08:03.400 --> 0:08:05.440 part of our budget that's killing us as Medicare and Medicaid. 0:08:05.640 --> 0:08:07.320 So what they would say is, well, we're going to 0:08:07.400 --> 0:08:10.040 start reducing what we pay on Medicare and Medicaid. We're 0:08:10.080 --> 0:08:12.320 going to we're going to you know, reduce the increase 0:08:12.640 --> 0:08:15.200 or have no increase at all for Medicare and Medicaid, 0:08:15.520 --> 0:08:17.640 and that's how we're going to fund whatever pet project 0:08:17.680 --> 0:08:21.160 we're trying to fund in our district. And that started 0:08:21.240 --> 0:08:24.000 occurring in the nineties and it just kept getting kicked 0:08:24.040 --> 0:08:26.520 down the road all the way along to the point 0:08:26.520 --> 0:08:30.720 where Medicare and Medicaid payments have not kept up with 0:08:30.880 --> 0:08:35.559 true medical inflation. So what happens then is employer plans, 0:08:35.600 --> 0:08:38.520 what we call corporate plans. If for the roughly the 0:08:38.559 --> 0:08:40.320 third of us who are getting our healthcare at work, 0:08:41.320 --> 0:08:45.600 we have to pay many times three, four, five, six 0:08:45.760 --> 0:08:48.680 times what Medicare would pay for a certain claim to 0:08:48.760 --> 0:08:51.440 make up for the fact that the large hospital chains 0:08:51.920 --> 0:08:54.560 want a larger reimbursement for those medical claims. So there's 0:08:54.600 --> 0:08:57.160 been this insidious cost shift, a wink and a nod 0:08:57.200 --> 0:09:02.240 between Wall Street and K Street, the lobbyists, and of 0:09:02.280 --> 0:09:06.120 course Congress that has said, look, we'll keep the Medicare 0:09:06.160 --> 0:09:09.280 reimbursements artificially low, at like one percent increase per year, 0:09:09.679 --> 0:09:12.320 and then that gives you the green light insurance industry 0:09:12.320 --> 0:09:14.560 to go ahead and charge seven, eight, nine, ten percent 0:09:14.640 --> 0:09:17.400 more every year to the private marketplace to pay for 0:09:17.440 --> 0:09:19.520 this healthcare, to the point now where you just have 0:09:19.600 --> 0:09:23.480 this ridiculous, absurd situation where employers are paying three to 0:09:23.520 --> 0:09:26.960 six times what they should be for healthcare because Medicare 0:09:27.000 --> 0:09:29.920 didn't keep up with the actual cost increases. 0:09:30.280 --> 0:09:34.240 And then Congress found a way to compel doctors and 0:09:34.280 --> 0:09:37.600 hospitals to see Medicare and Medicaid patients even though they 0:09:37.600 --> 0:09:39.880 were getting grossly underpaid for their services. 0:09:41.320 --> 0:09:44.800 Well compels, there's still no there's no compel there. You 0:09:44.800 --> 0:09:48.160 can still actually find individual doctors that won't take Medicare 0:09:48.160 --> 0:09:50.800 and Medicaid, but it's still incredibly rare because there's this 0:09:51.640 --> 0:09:53.920 well a it's the largest customer. The federal government is 0:09:53.960 --> 0:09:55.959 now the largest customer of every healthcare system. So I'm 0:09:55.960 --> 0:09:57.640 not sure there is a hospital out there that doesn't 0:09:57.640 --> 0:10:00.200 take Medicare and Medicaid. There are individual doctors that don't, 0:10:00.559 --> 0:10:03.960 but it's there's a there's a you can't live on 0:10:04.000 --> 0:10:06.360 the one third that are paying private rates. You still 0:10:06.400 --> 0:10:08.080 have to take that Medicare amount. 0:10:08.280 --> 0:10:10.559 That number that you just hit us with only a 0:10:10.600 --> 0:10:13.720 third of us or having the like traditional kind of 0:10:13.840 --> 0:10:16.600 we got our insurance through our company at work only 0:10:16.640 --> 0:10:17.120 at third. 0:10:16.920 --> 0:10:19.480 Of us, Well I should, yeah, I should be more 0:10:19.600 --> 0:10:22.520 specific with that, Jackets, It's probably closer to forty percent. 0:10:22.960 --> 0:10:25.680 I'm falling back on the statistic that we've talked about 0:10:25.720 --> 0:10:29.800 on your show before, and that's the seventy percent of 0:10:29.840 --> 0:10:33.480 healthcare is now paid for by the taxpayers. Because when 0:10:33.520 --> 0:10:36.680 you when you add up Medicare and Medicaid VA, you know, 0:10:36.760 --> 0:10:38.839 all of the community care programs, and then you even 0:10:38.840 --> 0:10:41.360 add up all of the federal and state workers, taxpayers 0:10:41.400 --> 0:10:44.480 pay about seventy percent. So about thirty percent of healthcare 0:10:44.559 --> 0:10:48.080 is paid for by private individuals, but probably more like 0:10:48.440 --> 0:10:51.240 forty percent are actually getting their healthcare at work. But 0:10:51.320 --> 0:10:53.160 you know, some of us work for cities and states 0:10:53.160 --> 0:10:55.920 and governments, et cetera. It's always way more complicated than 0:10:55.960 --> 0:10:56.280 you hear. 0:10:56.160 --> 0:11:00.360 It, of course, of course, yeah, yeah, yeah yeah. 0:11:00.360 --> 0:11:02.240 One of the things, one of the things we hit on. Hold, 0:11:02.240 --> 0:11:03.400 I want to hit this Joe real quick, if you 0:11:03.400 --> 0:11:06.360 don't mind, go ahead. Mentioned recently that we talked about 0:11:06.440 --> 0:11:08.719 was in this and I pulled the stat because I 0:11:08.760 --> 0:11:10.920 knew it blew your mind when we spoke about it privately. 0:11:11.320 --> 0:11:14.320 It's about one hundred million Americans. Roughly thirty percent of 0:11:14.440 --> 0:11:18.319 us are on a self funded health care plan, meaning 0:11:18.679 --> 0:11:22.120 the person paying the claims behind the scene is your employer, 0:11:22.320 --> 0:11:25.720 not the insurance company. They might be using United Healthcare 0:11:25.720 --> 0:11:29.679 as an example to administer the claims, to actually process 0:11:29.760 --> 0:11:33.480 the stuff, but the claims themselves, for roughly one third 0:11:33.480 --> 0:11:36.920 of Americans, thirty percent is actually paid for by your employer. 0:11:37.040 --> 0:11:37.520 Nobody knows that. 0:11:37.640 --> 0:11:38.600 I don't understand that. 0:11:38.640 --> 0:11:41.760 I didn't know that un till you told me right right. 0:11:42.080 --> 0:11:43.520 People don't understand it at all. 0:11:43.480 --> 0:11:45.040 So you did turned down it. 0:11:45.200 --> 0:11:48.960 Oftentimes it's your company that you work for, hiding behind 0:11:49.000 --> 0:11:50.080 with a healthcare. 0:11:49.679 --> 0:11:53.960 Company exactly right. And then how do you know, well, 0:11:54.000 --> 0:11:55.800 if you work for an employer that has more than 0:11:55.800 --> 0:11:58.520 a thousand employees, you're almost certainly on a self funded 0:11:58.520 --> 0:12:01.680 health plan because people don't insure groups that large. Now, 0:12:02.000 --> 0:12:03.839 if you have an employer that's between five hundred and 0:12:03.840 --> 0:12:06.000 one thousand employees, it's probably fifty to fifty that you're 0:12:06.040 --> 0:12:08.480 on a self funded health plan. Work for a small employer, 0:12:08.640 --> 0:12:10.920 it is the insurance company. Anything under like two fifty, 0:12:10.920 --> 0:12:12.880 for sure, it's the insurance company almost always. 0:12:13.559 --> 0:12:15.640 You know, I'd love to chat a little bit about solutions. 0:12:15.640 --> 0:12:17.360 Can we take a quick break and come back and 0:12:17.400 --> 0:12:18.040 chat a little more? 0:12:18.040 --> 0:12:21.000 Craig, Absolutely, Yeah. 0:12:21.040 --> 0:12:25.520 I got one more question too, Man, why's it got 0:12:25.559 --> 0:12:29.000 to be so complicated? Or maybe being complicated is the point? 0:12:29.840 --> 0:12:30.400 Stay tuned. 0:12:32.600 --> 0:12:36.160 Hey, you know what's annoying me about this, this kid 0:12:36.160 --> 0:12:39.120 who killed this CEO is none of these news programs 0:12:39.160 --> 0:12:42.800 are talking about the incredible lack of empathy from the 0:12:42.880 --> 0:12:47.720 general public about this because of how these insurance companies 0:12:47.800 --> 0:12:51.400 treat people when they are their most vulnerable. After we've 0:12:51.440 --> 0:12:54.280 all given them our money every month and now we 0:12:54.320 --> 0:12:56.560 finally need you, and all you do is deny us, 0:12:56.800 --> 0:12:59.520 and then these and all of these things are taking 0:12:59.520 --> 0:13:02.320 the pictures of their CEOs off their websites. You know, 0:13:02.360 --> 0:13:03.800 I gotta be honest with you, Okay. 0:13:04.559 --> 0:13:08.560 I love that the CEOs are afraid right now. 0:13:08.840 --> 0:13:12.080 You should be, by and large, You're all a bunch 0:13:12.120 --> 0:13:17.080 of selfish, greedy pieces, and a lot of you are 0:13:17.400 --> 0:13:22.720 mass murderers. You just don't pull the trigger. Wow, that 0:13:22.880 --> 0:13:25.560 is that's Bill Burr, the comedian. That's some French Revolution 0:13:25.720 --> 0:13:29.880 stuff right there. I mean, that is society completely coming apart. 0:13:29.960 --> 0:13:31.760 And I don't want to get too off track on that, 0:13:32.120 --> 0:13:36.040 but because of our healthcare guest we have here, expert 0:13:36.320 --> 0:13:38.560 Craig Gottwols, I wanted to throw this out. I assume 0:13:38.559 --> 0:13:40.480 a lot of people like Bill Burr and the people 0:13:40.480 --> 0:13:44.400 who are cheering the death of the United Healthcare CEO 0:13:44.840 --> 0:13:47.760 are people who want government healthcare. They want to complete 0:13:47.800 --> 0:13:52.600 government takeover of healthcare, and somehow believe that you won't 0:13:52.640 --> 0:13:56.120 have any deny or delay if the government is running healthcare. 0:13:56.240 --> 0:13:58.440 What's the history of government healthcare around the world. 0:14:00.400 --> 0:14:03.400 As we've talked on your show before many times, it's horrific, right, 0:14:03.440 --> 0:14:06.480 I mean, there's a reason why, you know, Canadians come 0:14:06.520 --> 0:14:09.160 here in droves when they have serious issues because they 0:14:09.160 --> 0:14:11.480 can actually get care if they have money. Here you know, 0:14:11.480 --> 0:14:14.480 there's a free market. Well there's at least the semblances 0:14:14.480 --> 0:14:16.600 of for free market and health care still here in America. 0:14:16.679 --> 0:14:20.000 So you have rationing of health care across the globe. 0:14:20.000 --> 0:14:23.280 Because anytime that you say, well, this should be a 0:14:23.320 --> 0:14:25.560 human right now, there can be no human right where 0:14:25.600 --> 0:14:27.800 I am dependent upon the labor of another. That's not 0:14:27.840 --> 0:14:31.640 a thing right. So all health care has to be rationed. 0:14:31.680 --> 0:14:34.800 It's either rationed by a waiting list Canada or UK, 0:14:35.000 --> 0:14:36.920 or it's rationed by money. I mean, that's just the 0:14:36.960 --> 0:14:40.160 reality of it all. What I would say, the misplaced 0:14:40.240 --> 0:14:45.520 anger out there, it shouldn't be at the specific insurers 0:14:45.640 --> 0:14:49.200 or whatever. It's the iron law of bureaucracy at play here, gentlemen. 0:14:49.240 --> 0:14:52.800 I mean, you have just the larger these bureaucracies grow, 0:14:52.840 --> 0:14:55.840 whether their public or private, they get less personal and 0:14:56.000 --> 0:14:59.800 they become more dedicated to to only fostering their own 0:15:00.520 --> 0:15:02.840 And that's exactly what we're seeing here in healthcare. We're 0:15:02.840 --> 0:15:06.400 seeing the ironlog bureaucracy at the government level, the insurer level, 0:15:06.400 --> 0:15:09.120 and then of course them working together to enrich themselves 0:15:09.160 --> 0:15:12.040 as much as they possibly can. It's it's horrific. But 0:15:12.080 --> 0:15:15.640 you don't fix that by randomly slaughtering somebody in the streets. 0:15:15.640 --> 0:15:16.720 I mean, it's just insane. 0:15:17.400 --> 0:15:20.840 Can you do sixty seconds on what would be first 0:15:21.240 --> 0:15:24.440 stelation to improve it? If you are going to advise Trump. 0:15:24.200 --> 0:15:29.920 Says, As you mentioned before, I made a housing difference 0:15:29.920 --> 0:15:32.240 in my career. My career is now housed somewhere else 0:15:32.280 --> 0:15:34.520 as of March of this year, and I'm now free 0:15:34.560 --> 0:15:36.440 to say even more than I did before. And the 0:15:36.480 --> 0:15:40.040 reality is, as a guy who installs large insurance plans, 0:15:40.600 --> 0:15:45.400 my best advice to everybody, individuals, employers, everybody, buy as 0:15:45.560 --> 0:15:49.920 little insurance as you can. Really interesting, yes, yes, because 0:15:49.960 --> 0:15:53.360 you when you buy insurance, you're getting You're getting into 0:15:53.440 --> 0:15:55.960 a negotiation and buying a product from private equity, Wall 0:15:56.000 --> 0:15:58.960 Street and the government that has all been designed to 0:15:59.160 --> 0:16:01.920 ensure that it may the most money. Great, I get it, 0:16:01.920 --> 0:16:04.560 we got to transfer risk for certain things. But if 0:16:04.560 --> 0:16:07.440 you're buying insurance, you want the highest deductible you can get. 0:16:07.600 --> 0:16:10.000 You want to self insure what you can because you're 0:16:10.200 --> 0:16:13.680 never going to win in that transaction in the long run. 0:16:13.760 --> 0:16:15.720 That is fascinating. That is not what I did on 0:16:15.760 --> 0:16:18.320 the most recent enrollment at the company. 0:16:19.840 --> 0:16:23.160 No, and it's especially at your company, I know, because 0:16:23.160 --> 0:16:25.000 you guys are housed at a large enough place. It's 0:16:25.000 --> 0:16:26.920 a self funded plan. I would again, I would buy 0:16:26.920 --> 0:16:28.560 the highest deductible I can get, and I would do 0:16:28.600 --> 0:16:31.240 the most I could myself. Now there's exceptions to that, right, 0:16:31.600 --> 0:16:33.600 If you have a child with special needs, you know 0:16:33.640 --> 0:16:35.320 you're going to spend a certain amount of a given year. 0:16:35.440 --> 0:16:39.880 Of course, buying the richer plan might be Yeah, I know, 0:16:39.920 --> 0:16:42.400 I think you are too jacket. But as a general rule, 0:16:42.400 --> 0:16:44.520 I would just say to people, whether you're buying home insurance, 0:16:45.000 --> 0:16:47.680 auto insurance, health insurance, whether you're an employeer buying interest 0:16:47.880 --> 0:16:51.360 by you, you're not going to win in a transaction. 0:16:50.920 --> 0:16:54.360 With That is great stum, sorry to jump in, that's 0:16:54.400 --> 0:16:57.160 great stuff. If people want more on benefits insurance, how 0:16:57.160 --> 0:16:58.040 can they get a hold of you? 0:16:58.120 --> 0:16:58.760 Ten seconds? 0:17:00.200 --> 0:17:03.080 Got walls dot substaff dot com is probably the fastest 0:17:03.120 --> 0:17:04.119 and easiest way to get me. 0:17:04.600 --> 0:17:06.560 And we'll have a link at Armstrong in getty dot 0:17:06.560 --> 0:17:08.200 com as well, so you can find it easily. Craig 0:17:08.200 --> 0:17:10.360 out Wells, Craig, thanks a million, great to talk to you. 0:17:10.480 --> 0:17:16.679 Much more to come hope you can stick around Armstrong 0:17:16.760 --> 0:17:19.120 and Getty. 0:17:19.680 --> 0:17:20.760 Could you come inside? 0:17:20.760 --> 0:17:20.920 Though? 0:17:21.320 --> 0:17:24.960 Awesome you aren't roundated. No, my friends show me that one. 0:17:26.720 --> 0:17:27.280 Outside. 0:17:27.480 --> 0:17:29.600 Well, it's different for you because you would rather be 0:17:29.680 --> 0:17:31.880 inside your corners is to be outside. 0:17:31.920 --> 0:17:34.920 You need to be a kid. Do something do out here. 0:17:35.240 --> 0:17:37.600 There's a lot of things you can do. You climb 0:17:37.600 --> 0:17:40.320 the tree, jump the fence. I don't really care. Go tease, 0:17:40.320 --> 0:17:43.200 audition neighbor. 0:17:42.720 --> 0:17:43.280 Some worry. 0:17:43.400 --> 0:17:46.199 You have to be creative. What do you want to 0:17:46.200 --> 0:17:46.639 do inside? 0:17:46.640 --> 0:17:48.200 Anyways? 0:17:48.200 --> 0:17:48.800 Just what? 0:17:50.800 --> 0:17:51.920 And that's the problem. 0:17:52.119 --> 0:17:55.600 No, you know that kid sounded like he was reading 0:17:55.640 --> 0:17:59.520 from a script. But I had very similar conversation with 0:17:59.560 --> 0:18:02.960 my son last night, like in a very serious way. 0:18:03.080 --> 0:18:05.640 He was breaking down emotionally over this, over the whole 0:18:05.680 --> 0:18:07.399 thing I talked about over the last couple of weeks. 0:18:07.840 --> 0:18:09.840 I'm getting rid of Netflix and Disney and all that 0:18:09.880 --> 0:18:12.119 different sort of stuff. As I've been encouraging him for 0:18:12.160 --> 0:18:14.280 a long time. You got to come up with other 0:18:14.320 --> 0:18:17.520 things to do. He's homeschooled, so he has more time 0:18:17.560 --> 0:18:23.240 on his hands than his brother does. But uh, it's 0:18:23.400 --> 0:18:26.760 I do have some sympathy. As a guy who loves 0:18:26.840 --> 0:18:32.560 to read. I find it difficult to read now because 0:18:32.560 --> 0:18:36.040 my brain is warped from looking at my phone. And 0:18:36.119 --> 0:18:38.640 I didn't start looking at my phone until I. 0:18:38.600 --> 0:18:39.520 Was forty five. 0:18:40.320 --> 0:18:43.360 So you know, if you've been if you've been doing 0:18:43.359 --> 0:18:48.800 that your whole life. Just the pace of things being outside. 0:18:48.960 --> 0:18:52.000 I'm supposed to get a stick and like digging the 0:18:52.040 --> 0:18:58.840 dirt third point, which is what I did sometimes, But 0:18:59.000 --> 0:19:01.040 just the pace is just so slow. 0:19:01.920 --> 0:19:04.879 We need and this is my ten million dollar idea 0:19:04.960 --> 0:19:08.000 that I'm too shift list to actually implement. We need 0:19:08.600 --> 0:19:12.200 electronic detox programs, and I know they exist, but they 0:19:12.240 --> 0:19:15.200 need to be like well known and popular. Where whether 0:19:15.240 --> 0:19:17.800 as an adulter or as a parent or whatever, maybe 0:19:17.840 --> 0:19:23.000 the kid himself realizes I am making myself insane. I 0:19:23.359 --> 0:19:26.840 need two weeks in the woods to decompress, get weaned 0:19:26.880 --> 0:19:30.359 off the devices, get back in touch with the reality. 0:19:31.359 --> 0:19:36.440 I mean actual real reality, not virtual reality reality. 0:19:37.160 --> 0:19:41.480 I need it myself, right, I crumba, What have I done? 0:19:41.600 --> 0:19:44.440 I don't know. I don't know what are human beings 0:19:44.480 --> 0:19:46.160 doing to themselves? 0:19:46.320 --> 0:19:49.919 You know, quote unquote tech, I swear is the apple 0:19:50.000 --> 0:19:52.080 from the tree and knowledge in the Book of Genesis. 0:19:52.440 --> 0:19:56.400 It is the the thing we cannot handle as a species. 0:20:00.040 --> 0:20:02.480 Troubles me greatly and home, and I only think about 0:20:02.480 --> 0:20:03.400 it every single day. 0:20:03.560 --> 0:20:08.080 So yeah, yeah, well we're we gonna do. 0:20:08.160 --> 0:20:08.520 Oh oh. 0:20:08.560 --> 0:20:11.480 Speaking of kids, I wanted to bring this up and 0:20:11.560 --> 0:20:14.000 again you're not gonna hear this anywhere but here, even 0:20:14.040 --> 0:20:17.000 though it's a huge, huge story, and especially in the 0:20:17.000 --> 0:20:21.080 wake of the recent Supreme Court oral arguments, the UK 0:20:21.720 --> 0:20:31.000 has banned puberty blockers for gender confused children indefinitely. It's 0:20:31.040 --> 0:20:35.560 an unacceptable safety risk quote unquote. Existing emergency measures banning 0:20:35.560 --> 0:20:37.920