1 00:00:00,120 --> 00:00:03,320 Speaker 1: Welcome to today's edition of the Klay, Travis and Buck 2 00:00:03,360 --> 00:00:04,640 Speaker 1: Sexton Show podcast. 3 00:00:04,800 --> 00:00:07,880 Speaker 2: The President's very much involved in these talks, and he's 4 00:00:07,960 --> 00:00:11,440 Speaker 2: very focused on unveiling a healthcare proposal that will fix 5 00:00:11,480 --> 00:00:16,800 Speaker 2: the system and will bring down costs for consumers. Oh 6 00:00:16,960 --> 00:00:21,439 Speaker 2: say it once again, mean it, Say it like you 7 00:00:21,560 --> 00:00:21,920 Speaker 2: mean it. 8 00:00:22,680 --> 00:00:25,599 Speaker 1: Let it be true. Press Secretary Caroline, I love it. 9 00:00:25,840 --> 00:00:29,560 Speaker 2: As she was talking about trump Care, you call it 10 00:00:29,560 --> 00:00:31,880 Speaker 2: whatever you want. Although I do think trump Care has 11 00:00:32,040 --> 00:00:35,560 Speaker 2: a good ring to it. I do think that unlike Obama, 12 00:00:35,800 --> 00:00:37,839 Speaker 2: he's like, you know, I like Obama. 13 00:00:37,920 --> 00:00:39,199 Speaker 1: I'm Obama and I care. 14 00:00:39,280 --> 00:00:41,800 Speaker 2: Remember we said that I'm Obama and I care, so 15 00:00:41,840 --> 00:00:46,040 Speaker 2: we embrace the whole Obamacare thing. And so it was 16 00:00:46,120 --> 00:00:51,479 Speaker 2: and still is the Obama Nation. But nevertheless, trump Care 17 00:00:51,520 --> 00:00:54,200 Speaker 2: is something you'd actually want your name on. So this 18 00:00:54,800 --> 00:00:57,120 Speaker 2: is something that should be branded accordingly. 19 00:00:58,280 --> 00:00:59,840 Speaker 1: Hey, they're happy Thanksgiving. 20 00:01:00,000 --> 00:01:03,320 Speaker 2: I hope you and your family your friends had a 21 00:01:03,520 --> 00:01:07,440 Speaker 2: fantastic Thanksgiving and I certainly did with my family and 22 00:01:07,520 --> 00:01:11,520 Speaker 2: friends and this entire holiday season. May God bless you 23 00:01:11,520 --> 00:01:13,360 Speaker 2: your family. Thank you for taking a little time with us. 24 00:01:13,680 --> 00:01:17,000 Speaker 2: Maybe you're doing a little Black Friday shopping. Maybe you're 25 00:01:17,040 --> 00:01:20,039 Speaker 2: doing it on aline. However you're doing it, you know 26 00:01:20,080 --> 00:01:21,800 Speaker 2: where you could save a heck of a lot of money, 27 00:01:22,720 --> 00:01:29,200 Speaker 2: I mean an unreal amount of money with your healthcare. 28 00:01:29,640 --> 00:01:32,280 Speaker 2: With your healthcare, you want to do some real Black 29 00:01:32,280 --> 00:01:35,640 Speaker 2: Friday shopping. Holy cal we can get trump Care pass. 30 00:01:35,880 --> 00:01:38,640 Speaker 2: Every day when it comes to healthcare will be Black Friday. 31 00:01:38,640 --> 00:01:42,000 Speaker 2: I'm going to break this thing down and explain. Bright 32 00:01:42,120 --> 00:01:45,080 Speaker 2: Mudd here for Clay and Buck. I host the Brian 33 00:01:45,160 --> 00:01:48,040 Speaker 2: Mudshow out of my home station w J and O 34 00:01:48,240 --> 00:01:51,559 Speaker 2: in West Palm Beach, just a few miles from marl 35 00:01:51,640 --> 00:01:54,760 Speaker 2: Laco and El Presidente where he is right now, and 36 00:01:54,840 --> 00:01:58,920 Speaker 2: also where it is seventy one in sunny right now. 37 00:01:59,320 --> 00:02:01,640 Speaker 2: I'm just saying, there's a reason why so many people 38 00:02:01,680 --> 00:02:05,760 Speaker 2: come here and stay. But you may catch me the 39 00:02:05,920 --> 00:02:09,639 Speaker 2: Brian mud Show podcast wherever you get your podcasts at 40 00:02:09,680 --> 00:02:14,400 Speaker 2: Brian Mudd Radio. Socially, let's talk about how trump Care 41 00:02:14,440 --> 00:02:16,600 Speaker 2: could change everything, absolutely everything. 42 00:02:18,000 --> 00:02:19,359 Speaker 1: So the fix has been in. 43 00:02:19,800 --> 00:02:25,640 Speaker 2: The fix on healthcare has been in since March twenty 44 00:02:25,680 --> 00:02:30,680 Speaker 2: third of twenty ten. That is the day that the 45 00:02:30,720 --> 00:02:34,280 Speaker 2: big O that Barack Obama sided into law, the ACA, 46 00:02:36,000 --> 00:02:40,800 Speaker 2: and all the lives that came along with it. Obviously 47 00:02:41,000 --> 00:02:46,360 Speaker 2: was not true that the law made healthcare affordable, and 48 00:02:46,480 --> 00:02:48,040 Speaker 2: for a while I was like, you know what, we 49 00:02:48,080 --> 00:02:54,119 Speaker 2: should be able to just overturn the Affordable Care Act 50 00:02:54,320 --> 00:02:59,079 Speaker 2: on legal grounds that it's false advertising. I mean that alone, 51 00:02:59,080 --> 00:03:01,239 Speaker 2: we should be able to just throw the whole dang 52 00:03:01,280 --> 00:03:04,760 Speaker 2: thing out, because the most certainly was not true that 53 00:03:04,840 --> 00:03:07,440 Speaker 2: if you liked if you like your doctor, you like 54 00:03:07,480 --> 00:03:10,720 Speaker 2: your health insurance plan, and oh, terrible Obama, Buck's amazing 55 00:03:10,840 --> 00:03:12,080 Speaker 2: ad impersonations. 56 00:03:12,160 --> 00:03:16,799 Speaker 1: I'm terrible, but that's kind of some of the fun. 57 00:03:16,880 --> 00:03:18,600 Speaker 2: If you're really good at it, that's fun. If you're 58 00:03:18,639 --> 00:03:20,560 Speaker 2: really bad at it, I guess that could be kind 59 00:03:20,560 --> 00:03:23,640 Speaker 2: of fun too. So yeah, I mean, the whole thing 60 00:03:23,639 --> 00:03:26,280 Speaker 2: about if you like your existing health insurance plan, you 61 00:03:26,280 --> 00:03:29,680 Speaker 2: and keep it, h you liked your doctor, still be 62 00:03:29,760 --> 00:03:31,240 Speaker 2: able to keep seeing him. 63 00:03:31,200 --> 00:03:33,520 Speaker 1: Or her stuff wasn't true. 64 00:03:34,880 --> 00:03:37,680 Speaker 2: What was true was that one of the greatest corporate 65 00:03:37,680 --> 00:03:41,440 Speaker 2: welfare projects in the American history, if not the absolute largest, 66 00:03:42,160 --> 00:03:45,280 Speaker 2: was set into emotion, and along with it, I guarantee 67 00:03:45,320 --> 00:03:48,200 Speaker 2: that you would have a heck of a lot less 68 00:03:48,480 --> 00:03:53,560 Speaker 2: health care affordability. That is, because the not Affordable Care 69 00:03:53,600 --> 00:03:57,760 Speaker 2: Act took the single greatest obstacle to affordable healthcare. 70 00:03:59,040 --> 00:04:01,080 Speaker 1: And I'll pause there momentary. 71 00:04:01,200 --> 00:04:05,880 Speaker 2: What is what do you believe is the single greatest 72 00:04:05,920 --> 00:04:07,440 Speaker 2: obstacle to affordable health care? 73 00:04:09,880 --> 00:04:13,119 Speaker 1: You have your answer. It's health insurance. 74 00:04:14,880 --> 00:04:19,599 Speaker 2: The single greatest obstacle to ever having affordable health care 75 00:04:20,480 --> 00:04:28,760 Speaker 2: is health insurance and the freaking insurance first model. So 76 00:04:28,800 --> 00:04:34,800 Speaker 2: it took the single greatest obstacle to affordable health care 77 00:04:35,120 --> 00:04:40,279 Speaker 2: and mandated it into existence where you literally would be 78 00:04:40,560 --> 00:04:44,400 Speaker 2: text get the text penalty if you didn't have health insurance. 79 00:04:44,440 --> 00:04:46,040 Speaker 2: How dare you not? We got to do everything through 80 00:04:46,080 --> 00:04:49,560 Speaker 2: health insurance. The greatest lie. 81 00:04:50,920 --> 00:04:51,480 Speaker 1: That has been. 82 00:04:51,440 --> 00:04:54,640 Speaker 2: Perpetuated every cent ever since this whole thing, going all 83 00:04:54,640 --> 00:04:58,880 Speaker 2: the way back to March to twenty ten, is that 84 00:04:58,960 --> 00:05:02,640 Speaker 2: health insurance equal healthcare. It's one of those things like 85 00:05:02,760 --> 00:05:07,000 Speaker 2: I am so not a violent person. I'm not the 86 00:05:07,040 --> 00:05:10,000 Speaker 2: kind of person who screams and throws things. I'm not 87 00:05:10,200 --> 00:05:13,400 Speaker 2: none of that. To the extent that it exists within me, 88 00:05:14,360 --> 00:05:17,599 Speaker 2: it comes out like when I hear health insurance equals 89 00:05:17,600 --> 00:05:20,840 Speaker 2: healthcare or some kind of incarnation, I just want to 90 00:05:22,200 --> 00:05:24,839 Speaker 2: I want to throw things because it is utter bs. 91 00:05:27,360 --> 00:05:29,440 Speaker 2: The fact of the matter is that the average American 92 00:05:30,360 --> 00:05:35,680 Speaker 2: the average family can't afford actual health care because of 93 00:05:35,720 --> 00:05:40,480 Speaker 2: the insanely high cost of health insurance. It's true with 94 00:05:40,839 --> 00:05:46,200 Speaker 2: employee sponsored plans. It is especially true of exchange based 95 00:05:46,320 --> 00:05:51,159 Speaker 2: Obamacare plans too. So we recently had the longest partial 96 00:05:51,200 --> 00:05:57,320 Speaker 2: government shut down in American history. Why Well, because Democrats claim, Hey, 97 00:05:57,480 --> 00:06:00,640 Speaker 2: we're going to have a healthcare crisis. It'll be a 98 00:06:00,680 --> 00:06:05,360 Speaker 2: healthcare crisis if COVID era Obamacare tax credits that propped 99 00:06:05,400 --> 00:06:11,880 Speaker 2: up the Unaffordable Care Act, if those weren't extended, and 100 00:06:12,000 --> 00:06:14,839 Speaker 2: voting no for the continuing Resolution to end the shutdown, 101 00:06:15,760 --> 00:06:20,640 Speaker 2: good old Chuck, as Rush would have said, you Schumer 102 00:06:20,800 --> 00:06:26,280 Speaker 2: said this, this healthcare crisis is so severe, so urgent, 103 00:06:26,400 --> 00:06:30,440 Speaker 2: so devastating for families back home, that I cannot in 104 00:06:30,560 --> 00:06:35,240 Speaker 2: good faith support this. Okay, So what is it that 105 00:06:35,320 --> 00:06:38,320 Speaker 2: he was talking about? What is the healthcare crisis that, 106 00:06:38,440 --> 00:06:43,960 Speaker 2: good old Chuck you had to speak back. Oh, it 107 00:06:44,000 --> 00:06:50,599 Speaker 2: was a Bombacare, It was Obamacare, something that he voted 108 00:06:50,600 --> 00:06:54,720 Speaker 2: to create, something that was pitched as. 109 00:06:54,600 --> 00:06:55,680 Speaker 1: The Affordable Care Act. 110 00:06:55,760 --> 00:06:59,159 Speaker 2: It's been such a failure done the less ninety two 111 00:06:59,240 --> 00:07:02,680 Speaker 2: percent of the costs are paid for by the people 112 00:07:02,720 --> 00:07:05,200 Speaker 2: who don't actually use those plans. 113 00:07:06,200 --> 00:07:07,160 Speaker 1: That is a crisis. 114 00:07:08,400 --> 00:07:13,560 Speaker 2: Okay, So to be clear, unless ninety two percent of 115 00:07:13,640 --> 00:07:18,040 Speaker 2: the cost for the Obamacare policies are. 116 00:07:17,880 --> 00:07:20,360 Speaker 1: Paid for by the people who don't. 117 00:07:20,000 --> 00:07:23,880 Speaker 2: Use them, I meaning all the rest of us as 118 00:07:23,960 --> 00:07:28,080 Speaker 2: federal tax paying clubs, then that is a crisis. And 119 00:07:28,120 --> 00:07:30,800 Speaker 2: that's because the fix has been in ever since the 120 00:07:30,800 --> 00:07:33,120 Speaker 2: onset of the ACA, and the only winners have been 121 00:07:33,160 --> 00:07:35,720 Speaker 2: the health insurance and those who've been able to exploit 122 00:07:35,760 --> 00:07:39,600 Speaker 2: the situation and taxpayers. And so this takes us to 123 00:07:39,640 --> 00:07:42,520 Speaker 2: what needs to be fixed. It's something I've talked about 124 00:07:42,600 --> 00:07:47,239 Speaker 2: my entire career. At this point is going on twenty 125 00:07:47,240 --> 00:07:53,520 Speaker 2: eight years. The key to solving healthcare affordability challenges is 126 00:07:53,560 --> 00:07:58,680 Speaker 2: what consumer price transparency? It's Black Friday. You're darn good 127 00:07:58,720 --> 00:08:01,200 Speaker 2: at finding deals, aren't you. If you know what something 128 00:08:01,360 --> 00:08:04,240 Speaker 2: cost and you know what it is you're looking for, 129 00:08:05,160 --> 00:08:07,840 Speaker 2: you are really good at being able to find a 130 00:08:07,880 --> 00:08:08,320 Speaker 2: good deal. 131 00:08:08,960 --> 00:08:09,160 Speaker 1: Right. 132 00:08:11,600 --> 00:08:16,000 Speaker 2: The biggest obstacle to price transparency is what it's the 133 00:08:16,040 --> 00:08:17,400 Speaker 2: current insurance first model. 134 00:08:19,640 --> 00:08:21,560 Speaker 1: How insane is it? 135 00:08:21,720 --> 00:08:24,240 Speaker 2: I mean, imagine that you were to go into a 136 00:08:24,280 --> 00:08:27,720 Speaker 2: store today, you're out doing your Black Friday shopping. You 137 00:08:27,800 --> 00:08:34,160 Speaker 2: go into a store absolutely no prices anywhere you have somebody, 138 00:08:34,480 --> 00:08:38,320 Speaker 2: You tell somebody up front, hey, these are things that 139 00:08:38,400 --> 00:08:38,839 Speaker 2: I need. 140 00:08:39,600 --> 00:08:41,800 Speaker 1: Here's what I got going on. Here are things I need. 141 00:08:41,880 --> 00:08:44,120 Speaker 2: And they go ahead and they take a cart from you, 142 00:08:45,360 --> 00:08:47,640 Speaker 2: and they'll they take you along with the cart. But 143 00:08:47,720 --> 00:08:52,640 Speaker 2: then they just start putting stuff in that cart. And 144 00:08:53,559 --> 00:08:58,080 Speaker 2: then you get to the checkout, that full cart, and 145 00:08:58,120 --> 00:09:00,400 Speaker 2: they say, okay, go ahead and hand over your credit 146 00:09:00,400 --> 00:09:04,760 Speaker 2: card now, and you're looking at them wondering if you 147 00:09:04,840 --> 00:09:08,880 Speaker 2: needed everything that was in your cart, and you have 148 00:09:08,920 --> 00:09:10,680 Speaker 2: a question or two about what stuff costs? 149 00:09:12,240 --> 00:09:14,360 Speaker 1: Are you going to hand over that car and know? Okay? 150 00:09:14,720 --> 00:09:16,640 Speaker 2: And then when they run it, they say, oh, and 151 00:09:16,679 --> 00:09:19,280 Speaker 2: by the way, yeah, maybe two three months from now, 152 00:09:19,520 --> 00:09:21,120 Speaker 2: we're going to tell you how much you're actually paying 153 00:09:21,120 --> 00:09:21,320 Speaker 2: for this. 154 00:09:22,559 --> 00:09:23,840 Speaker 1: What would you tell that person? 155 00:09:24,640 --> 00:09:27,760 Speaker 2: You would tell them they're backcrap crazy insane, because what 156 00:09:28,000 --> 00:09:31,360 Speaker 2: guess what that person would be backcrap crazy, insane, and 157 00:09:31,400 --> 00:09:36,480 Speaker 2: we as consumers would be backcrap crazy insane forever going 158 00:09:36,520 --> 00:09:37,800 Speaker 2: down in that path in the first place. 159 00:09:37,880 --> 00:09:39,240 Speaker 1: Right, it's nuts. 160 00:09:39,679 --> 00:09:41,880 Speaker 2: Nobody in their right mind would ever shop like that, 161 00:09:43,240 --> 00:09:48,679 Speaker 2: but we do every single day because we have been conditioned. 162 00:09:49,200 --> 00:09:51,520 Speaker 2: The people have talked about healthcare has broken us out 163 00:09:51,559 --> 00:09:56,480 Speaker 2: for no, it's stupid. It really is a criminal operation. 164 00:09:56,600 --> 00:09:59,800 Speaker 2: The way it's run it has angered me my entire life. 165 00:10:00,000 --> 00:10:04,959 Speaker 2: It goes against every sensibility that exists. It is that crap, crazy, insane. 166 00:10:05,840 --> 00:10:09,560 Speaker 2: Do you walk into a healthcare facility and you're presented 167 00:10:09,559 --> 00:10:11,880 Speaker 2: with a piece of paper has a lot of words 168 00:10:11,920 --> 00:10:15,360 Speaker 2: on it that amounts to something along the lines of 169 00:10:16,400 --> 00:10:20,199 Speaker 2: you have no idea what's going to happen, even if 170 00:10:20,240 --> 00:10:25,240 Speaker 2: you think you do. When you get back here, we 171 00:10:25,440 --> 00:10:29,200 Speaker 2: can't tell you what any of the stuff back here 172 00:10:30,320 --> 00:10:33,200 Speaker 2: that you are unaware of that might take place is 173 00:10:33,240 --> 00:10:39,640 Speaker 2: going to cost. But whatever your insurance company doesn't pay 174 00:10:40,120 --> 00:10:46,520 Speaker 2: for all this, you've got it. And we've been conditioned 175 00:10:46,559 --> 00:10:52,520 Speaker 2: to do that. We sign we do the cart store example, 176 00:10:52,679 --> 00:10:55,400 Speaker 2: every single day in this country. Now you think we're 177 00:10:55,400 --> 00:10:57,079 Speaker 2: getting a good deal or do you think we get 178 00:10:57,120 --> 00:10:57,959 Speaker 2: screwed six. 179 00:10:57,800 --> 00:10:59,079 Speaker 1: Ways aside Sunday? 180 00:10:59,320 --> 00:11:03,439 Speaker 2: First by medical service providers, ultimately by the health insurance 181 00:11:03,440 --> 00:11:08,480 Speaker 2: companies too. Who gets service by this not you, not 182 00:11:08,600 --> 00:11:11,320 Speaker 2: the person trying to get actual health care services. 183 00:11:13,720 --> 00:11:15,400 Speaker 1: What's better than that is. 184 00:11:17,000 --> 00:11:19,440 Speaker 2: How often do you even get the benefit of the 185 00:11:19,440 --> 00:11:23,200 Speaker 2: health insurance these days, since the average health insurance policy 186 00:11:23,920 --> 00:11:26,760 Speaker 2: is a high deductible plan. 187 00:11:27,559 --> 00:11:29,720 Speaker 1: You go through all of that and you. 188 00:11:29,679 --> 00:11:33,480 Speaker 2: Still never end up penning the deductible, which means you 189 00:11:33,559 --> 00:11:39,199 Speaker 2: pay for your unaffordable health insurance and then you pay 190 00:11:39,280 --> 00:11:41,720 Speaker 2: for the actual health care service. 191 00:11:41,760 --> 00:11:44,000 Speaker 1: That you get to you get nothing. 192 00:11:45,559 --> 00:11:49,080 Speaker 2: The healthcare service provider that gets to game the insurance 193 00:11:49,080 --> 00:11:54,160 Speaker 2: system wins, the health insurance company wins all day long. 194 00:11:54,679 --> 00:11:58,480 Speaker 1: You not so much. Your left holding the back. And 195 00:11:58,520 --> 00:12:01,480 Speaker 1: the best part is you're not just left holding the 196 00:12:01,480 --> 00:12:01,880 Speaker 1: bag for. 197 00:12:01,920 --> 00:12:05,160 Speaker 2: You the year left holding the bag to pay for 198 00:12:05,280 --> 00:12:08,880 Speaker 2: all those obamic care policies too, because remember, it's a 199 00:12:08,880 --> 00:12:12,599 Speaker 2: healthcare crisis unless ninety two percent. 200 00:12:12,320 --> 00:12:15,560 Speaker 1: Of the cause associated with those plans are paid for 201 00:12:15,600 --> 00:12:22,040 Speaker 1: it by you. That's fun. That is absolutely just fantastic. 202 00:12:22,200 --> 00:12:25,600 Speaker 2: Right, So let me tell you about how all this 203 00:12:25,720 --> 00:12:30,120 Speaker 2: comes together and why trump Care is actually the thing 204 00:12:30,840 --> 00:12:34,480 Speaker 2: that I have been lobbying for for decades that can 205 00:12:34,480 --> 00:12:39,400 Speaker 2: truly fix the situation, bring insanity to an end, sanity 206 00:12:39,559 --> 00:12:43,320 Speaker 2: back into the healthcare system, and actual affordability in the process. 207 00:12:43,960 --> 00:13:02,200 Speaker 2: Brian mud In proclaim, But. 208 00:12:54,000 --> 00:12:55,960 Speaker 1: I've understand I want to extend it for two years. 209 00:12:55,960 --> 00:12:57,840 Speaker 1: I don't want to extend it for two years. I'd 210 00:12:57,920 --> 00:12:59,120 Speaker 1: rather not extend. 211 00:12:58,800 --> 00:12:59,280 Speaker 3: Them at all. 212 00:13:00,920 --> 00:13:04,880 Speaker 2: And President Trump talking about not wanting to extend the 213 00:13:04,960 --> 00:13:09,280 Speaker 2: Obamacare subsidies at all. There should be absolutely no extension 214 00:13:09,360 --> 00:13:12,559 Speaker 2: of Obamacare subsidies at all. Brian Mudd in for Clay 215 00:13:12,559 --> 00:13:15,520 Speaker 2: and back and so talking about the absurdity of the 216 00:13:15,559 --> 00:13:16,720 Speaker 2: existing healthcare system. 217 00:13:16,760 --> 00:13:18,959 Speaker 1: Now I want to boil down how we fix it. 218 00:13:19,040 --> 00:13:23,240 Speaker 2: As the Trump Care legislation is being written and the 219 00:13:23,360 --> 00:13:25,960 Speaker 2: person that is taking the lead on at Senator Rick Scott, 220 00:13:26,120 --> 00:13:30,880 Speaker 2: and I've had extensive discussions with him, and an insurance 221 00:13:31,040 --> 00:13:34,679 Speaker 2: that is kind of faith restoring as well, So we'll 222 00:13:34,720 --> 00:13:36,480 Speaker 2: talk about that in a moment. I want to walk 223 00:13:36,480 --> 00:13:40,120 Speaker 2: you through how much can be saved by getting away 224 00:13:40,120 --> 00:13:43,800 Speaker 2: from the insurance first model where there's no consumer price transparency. 225 00:13:44,200 --> 00:13:46,840 Speaker 2: Even if you never end up reaching your high deductible 226 00:13:47,200 --> 00:13:51,480 Speaker 2: for your insurance policy, you end up not seeing what 227 00:13:51,520 --> 00:13:53,959 Speaker 2: stuff is going to cost, and so what could. 228 00:13:53,840 --> 00:13:56,720 Speaker 1: We actually save? What could we actually save? 229 00:13:57,640 --> 00:13:59,760 Speaker 2: So how much do you think you and your family 230 00:14:00,080 --> 00:14:03,319 Speaker 2: use during the course of a year in actual healthcare? 231 00:14:04,000 --> 00:14:06,400 Speaker 2: Like if you added up all the costs of stuff 232 00:14:06,440 --> 00:14:09,520 Speaker 2: that is just specifically healthcare service related. 233 00:14:09,720 --> 00:14:11,800 Speaker 1: How much is that? Have any idea in mine? 234 00:14:14,000 --> 00:14:18,000 Speaker 2: For every American over the past year, we spent fifteen 235 00:14:18,080 --> 00:14:21,240 Speaker 2: hundred and fourteen dollars on actual health care needs. Okay, 236 00:14:21,640 --> 00:14:26,040 Speaker 2: fifteen hundred and fourteen dollars on actual health care per person, 237 00:14:26,360 --> 00:14:27,960 Speaker 2: So you can do the math based upon how many 238 00:14:27,960 --> 00:14:30,920 Speaker 2: people in your family how much of that actually goes 239 00:14:30,960 --> 00:14:35,480 Speaker 2: towards healthcare? Though, Well, do you know what the average 240 00:14:35,520 --> 00:14:38,920 Speaker 2: costs for the average American for a health insurance plan 241 00:14:39,640 --> 00:14:43,400 Speaker 2: has been over the past year. It'll run you in 242 00:14:43,400 --> 00:14:48,200 Speaker 2: the neighborhood of over six thousand dollars over six thousand dollars, 243 00:14:49,080 --> 00:14:52,000 Speaker 2: So how much of that money ends up going straight 244 00:14:52,080 --> 00:14:56,120 Speaker 2: into the pockets of insurance companies. It's kind of a 245 00:14:56,120 --> 00:15:00,160 Speaker 2: good question to ask, especially if let's say, for example, 246 00:15:00,320 --> 00:15:04,200 Speaker 2: on your policy that on average would run you per person. 247 00:15:04,880 --> 00:15:08,960 Speaker 2: Family plans end up being an average of over twenty 248 00:15:09,360 --> 00:15:14,200 Speaker 2: thousand dollars these days, if you end up you're greater 249 00:15:14,280 --> 00:15:18,800 Speaker 2: than six thousand dollars health insurance plan, so you're fifteen 250 00:15:18,880 --> 00:15:21,840 Speaker 2: hundred actual that's actually spent on healthcare, so that hit 251 00:15:21,880 --> 00:15:24,720 Speaker 2: your high deductible. So what ends up happening is you 252 00:15:24,760 --> 00:15:27,840 Speaker 2: pay for the price of that health insurance policy. You 253 00:15:27,880 --> 00:15:31,280 Speaker 2: pay for that fifteen hundred dollars in healthcare too. And 254 00:15:31,320 --> 00:15:32,800 Speaker 2: this is where you begin to think about it for 255 00:15:32,840 --> 00:15:38,720 Speaker 2: a moment. So one five hundred bucks for healthcare per 256 00:15:38,720 --> 00:15:42,080 Speaker 2: person per year, that is actually affordable. That is very 257 00:15:42,120 --> 00:15:47,400 Speaker 2: affordable for the average person, average family. Over six thousand 258 00:15:47,400 --> 00:15:50,200 Speaker 2: dollars for health insurance before you receive any. 259 00:15:50,080 --> 00:15:51,400 Speaker 1: Healthcare at all. 260 00:15:52,040 --> 00:15:54,640 Speaker 2: That is the jumping off point for what makes healthcare 261 00:15:54,640 --> 00:15:59,760 Speaker 2: an unaffordable mess. So President Trump's plan, and it kicked 262 00:15:59,800 --> 00:16:02,560 Speaker 2: off with the posts recently he said, the only healthcare 263 00:16:02,720 --> 00:16:06,640 Speaker 2: I will support or approve is sending money directly back 264 00:16:06,640 --> 00:16:09,840 Speaker 2: to the people, with nothing going to the big, fat 265 00:16:10,000 --> 00:16:12,760 Speaker 2: rich insurance companies who have made trillions. 266 00:16:12,520 --> 00:16:13,440 Speaker 1: Ripped off America. 267 00:16:13,520 --> 00:16:16,040 Speaker 2: Long enough, the people will be allowed to negotiate and 268 00:16:16,080 --> 00:16:19,840 Speaker 2: buy their own much better insurance powered to the people. 269 00:16:20,200 --> 00:16:22,600 Speaker 2: And Congress, do not waste your time and energy on 270 00:16:22,640 --> 00:16:25,320 Speaker 2: anything else. This is the only way to have great 271 00:16:25,360 --> 00:16:28,880 Speaker 2: healthcare in America. So he is absolutely right about this, 272 00:16:29,400 --> 00:16:32,960 Speaker 2: and most importantly, Senator Rick Scott, who's authoring this, is 273 00:16:33,280 --> 00:16:35,200 Speaker 2: driving it up just that way. 274 00:16:35,760 --> 00:16:38,280 Speaker 1: So what will this look like? What could it mean 275 00:16:38,360 --> 00:16:38,760 Speaker 1: to you. 276 00:16:39,480 --> 00:16:42,000 Speaker 2: The answer is huge, and I'll break that down for 277 00:16:42,080 --> 00:16:45,840 Speaker 2: you coming up next. And it has been an honor 278 00:16:45,840 --> 00:16:47,560 Speaker 2: and a pleasure of being here with you this Thanksgiving 279 00:16:47,600 --> 00:16:50,120 Speaker 2: WEEKND Brian mudd in for Clay and Buck. 280 00:16:58,040 --> 00:17:01,480 Speaker 1: The other young man. He's fighting for his life. 281 00:17:01,520 --> 00:17:02,520 Speaker 2: He's a very bad shape. 282 00:17:02,520 --> 00:17:05,760 Speaker 1: He's fighting for his life and hopefully we'll get. 283 00:17:05,560 --> 00:17:10,280 Speaker 2: Better news with respect to him. Hey man, President Trump 284 00:17:10,320 --> 00:17:15,520 Speaker 2: talking about Andrew wool the second guardsman shot on Wednesday 285 00:17:15,520 --> 00:17:18,760 Speaker 2: and the Tarror attack in DC. We talked extensively about 286 00:17:18,760 --> 00:17:22,640 Speaker 2: that in the first hour into the second as well. 287 00:17:22,760 --> 00:17:26,680 Speaker 2: Been talking about healthcare and Trump Care specifically and the 288 00:17:26,720 --> 00:17:30,920 Speaker 2: real solution for health affordable healthcare in this country. Brian 289 00:17:31,000 --> 00:17:34,360 Speaker 2: mudd in for Clay and Bokiet has been a pleasure 290 00:17:34,440 --> 00:17:36,440 Speaker 2: being here with you. So now I want to work 291 00:17:36,480 --> 00:17:41,680 Speaker 2: through specifically what is being drafted and what it would 292 00:17:41,720 --> 00:17:45,399 Speaker 2: mean to you. So the first thing about what is 293 00:17:45,440 --> 00:17:51,760 Speaker 2: being drafted here is that health savings accounts effectively would 294 00:17:51,800 --> 00:17:56,040 Speaker 2: be used as the mechanism for ACA subsidies to be 295 00:17:56,119 --> 00:18:01,000 Speaker 2: paid into SOT. Right now you have the amount of 296 00:18:01,000 --> 00:18:04,000 Speaker 2: subsidy that is going to be paid, so people win. 297 00:18:05,160 --> 00:18:08,320 Speaker 2: And this is with subsidies extended in real time and 298 00:18:08,400 --> 00:18:12,680 Speaker 2: open enrollment. This may not necessarily apply because well that's 299 00:18:12,720 --> 00:18:15,160 Speaker 2: all part of what is still being debated in Washington. 300 00:18:16,000 --> 00:18:19,840 Speaker 2: But speaking typically what we've seen since the onset of Obamacare, 301 00:18:19,840 --> 00:18:21,760 Speaker 2: as you go to the exchange, you're going to end 302 00:18:21,800 --> 00:18:24,879 Speaker 2: up finding a policy and you'll see, based upon your circumstances, 303 00:18:25,040 --> 00:18:28,200 Speaker 2: what your subsidy is going to be, and that becomes 304 00:18:28,240 --> 00:18:32,560 Speaker 2: the mechanism by which one will often shop for insurance there. 305 00:18:32,800 --> 00:18:35,160 Speaker 2: And the net of it all is that ninety two 306 00:18:35,160 --> 00:18:39,240 Speaker 2: percent the cost has most recently and since COVID ended 307 00:18:39,280 --> 00:18:42,880 Speaker 2: up being eaten by all the other taxpayers who don't 308 00:18:42,960 --> 00:18:48,600 Speaker 2: use those exchange based policies. So what trump Care would do, 309 00:18:49,000 --> 00:18:52,080 Speaker 2: what we're talking about from a healthcare standpoint, is whatever 310 00:18:52,119 --> 00:18:54,359 Speaker 2: that amount is that would be used for a subsidy 311 00:18:54,480 --> 00:18:58,840 Speaker 2: for that person purchasing insurance on the exchange or for 312 00:18:58,960 --> 00:19:01,040 Speaker 2: a family that's doing it, that would go into a 313 00:19:01,040 --> 00:19:04,399 Speaker 2: health savings account for him, and then they could choose 314 00:19:04,600 --> 00:19:07,040 Speaker 2: do I want to buy health insurance or do I 315 00:19:07,119 --> 00:19:10,040 Speaker 2: just want to use this money for health certain care services? 316 00:19:11,560 --> 00:19:13,800 Speaker 2: And then if I want to buy insurance, what would 317 00:19:13,800 --> 00:19:17,000 Speaker 2: that look like? And so you could then have plans 318 00:19:17,240 --> 00:19:20,359 Speaker 2: that are just for your specific needs, because remember the 319 00:19:20,400 --> 00:19:23,639 Speaker 2: Obamacare mandates would go away at this point, so you 320 00:19:23,640 --> 00:19:26,560 Speaker 2: wouldn't have to be paid for contraception as a man, 321 00:19:26,680 --> 00:19:31,520 Speaker 2: for example, among other things and all the other nonsense, 322 00:19:32,000 --> 00:19:33,960 Speaker 2: because that's all part of the insurance racket is you 323 00:19:34,119 --> 00:19:36,720 Speaker 2: have all these things that you're mandated to pay for 324 00:19:37,440 --> 00:19:41,199 Speaker 2: even if there's no biological chance it would ever be 325 00:19:41,280 --> 00:19:45,399 Speaker 2: relevant to you. So then you take a look at 326 00:19:45,440 --> 00:19:49,280 Speaker 2: the potential impact of all of this, because I'm gonna 327 00:19:49,280 --> 00:19:55,720 Speaker 2: walk through a couple different avenues. The first is, okay, 328 00:19:55,760 --> 00:19:58,399 Speaker 2: so now you have insurance companies are going to have 329 00:19:58,440 --> 00:20:03,960 Speaker 2: to get competitive over these consumers of the health insurance products. 330 00:20:05,280 --> 00:20:08,880 Speaker 2: So that will end up having a profound impact within 331 00:20:08,960 --> 00:20:11,920 Speaker 2: the insurance industry itself. But what is it also going 332 00:20:11,960 --> 00:20:14,199 Speaker 2: to do in the health care industry? Because you're going 333 00:20:14,200 --> 00:20:16,280 Speaker 2: to have a lot of people that are just shopping 334 00:20:16,280 --> 00:20:19,160 Speaker 2: for health care services. It's going to make the medical 335 00:20:19,200 --> 00:20:23,960 Speaker 2: service industry become price competitive and transparent as well, because 336 00:20:24,000 --> 00:20:27,040 Speaker 2: they're going to want the money that's available. One of 337 00:20:27,040 --> 00:20:29,800 Speaker 2: the more profound things that I was talking to Senator 338 00:20:29,840 --> 00:20:32,479 Speaker 2: Scott about taking the first step and doing this with 339 00:20:32,520 --> 00:20:37,720 Speaker 2: the Obamacare subsidies, and he's a former healthcare CEO. 340 00:20:38,800 --> 00:20:41,280 Speaker 1: He believes that if. 341 00:20:41,040 --> 00:20:43,879 Speaker 2: We get this done with the Affordable Care Act policies, 342 00:20:44,000 --> 00:20:46,239 Speaker 2: with the exchange based policies, that you're going to have 343 00:20:46,320 --> 00:20:49,960 Speaker 2: private employers that follow suit. So to give you an idea, 344 00:20:50,119 --> 00:20:54,000 Speaker 2: in twenty twenty five, the average private employer is paying 345 00:20:54,040 --> 00:20:57,840 Speaker 2: about seventy eight hundred bucks towards an employee's health insurance plan. 346 00:20:58,680 --> 00:21:02,040 Speaker 2: That jumps to over ten thousand dollars for the average 347 00:21:02,080 --> 00:21:07,480 Speaker 2: family plan. So imagine if, rather than your company kick 348 00:21:07,480 --> 00:21:10,640 Speaker 2: in seventy eight one hundred to twenty thousand bucks over 349 00:21:10,720 --> 00:21:13,640 Speaker 2: to your insurance company, that money went into your health 350 00:21:13,640 --> 00:21:17,320 Speaker 2: savings account in addition to the money that you pay 351 00:21:17,359 --> 00:21:19,600 Speaker 2: out a pocket your piece of that. 352 00:21:19,560 --> 00:21:22,280 Speaker 1: Employer sponsored plan. Imagine if you had. 353 00:21:22,200 --> 00:21:25,520 Speaker 2: All that money, and then imagine if you could buy 354 00:21:25,840 --> 00:21:30,160 Speaker 2: just the healthcare that you need. In doing an analysis 355 00:21:30,200 --> 00:21:32,439 Speaker 2: on this, let's say that you were to go for 356 00:21:32,560 --> 00:21:35,440 Speaker 2: a really high end plan that would cover most likely 357 00:21:35,520 --> 00:21:40,280 Speaker 2: your needs. Again, I'm talking about a typical person. You're 358 00:21:40,320 --> 00:21:42,119 Speaker 2: talking about a savings that would likely be in the 359 00:21:42,119 --> 00:21:47,200 Speaker 2: neighborhood of thirty percent over what that insurance plan currently cost. 360 00:21:47,880 --> 00:21:49,960 Speaker 2: Let's say that you're young and healthy and you want 361 00:21:50,000 --> 00:21:53,159 Speaker 2: to buy insurance. You're probably talking about a savings that 362 00:21:53,240 --> 00:21:57,480 Speaker 2: is closer to seventy percent on the health insurance plan. Again, 363 00:21:57,640 --> 00:22:02,960 Speaker 2: if you choose to pay for it, and then when 364 00:22:03,000 --> 00:22:05,760 Speaker 2: you actually do go to pay for health care services, 365 00:22:05,920 --> 00:22:09,080 Speaker 2: you have a much better chance of actually knowing what 366 00:22:09,160 --> 00:22:12,879 Speaker 2: the heck it is that something is going to cost. Now, again, 367 00:22:13,200 --> 00:22:19,960 Speaker 2: there are differences here, Right, you have emergencies. Obviously we're 368 00:22:19,960 --> 00:22:23,960 Speaker 2: not worried about in an emergency situation, Hey how much 369 00:22:24,040 --> 00:22:30,040 Speaker 2: is this going to cost? And like certain circumstances. Right, 370 00:22:30,080 --> 00:22:33,720 Speaker 2: So this is where catastrophic hare comes into play. I 371 00:22:33,800 --> 00:22:37,600 Speaker 2: talked about the backcrap crazy analogy of doing your Black 372 00:22:37,600 --> 00:22:42,720 Speaker 2: Friday shopping, heading into a store, having your cart taken 373 00:22:42,760 --> 00:22:45,040 Speaker 2: over buy an employee. You greet you when you walk in, 374 00:22:45,640 --> 00:22:48,240 Speaker 2: and then they walk you walk around with them through 375 00:22:48,280 --> 00:22:51,560 Speaker 2: the store saying hey, here's what I've got going on, 376 00:22:51,760 --> 00:22:53,640 Speaker 2: and they decide what's going to go in your cart, 377 00:22:54,640 --> 00:22:56,800 Speaker 2: and then you get to the checkout and then they demand 378 00:22:56,840 --> 00:22:58,520 Speaker 2: your credit card and you give it to them and 379 00:22:58,560 --> 00:23:00,800 Speaker 2: they tell you that you're not going to know what 380 00:23:00,840 --> 00:23:02,720 Speaker 2: you're actually going to be paying for anything in that 381 00:23:02,800 --> 00:23:05,840 Speaker 2: cart that they filled until maybe two three months later, 382 00:23:06,400 --> 00:23:09,879 Speaker 2: and then you just sign and go, Okay, that's great. Well, 383 00:23:09,960 --> 00:23:12,960 Speaker 2: would never do such a thing. Well, the other part 384 00:23:13,000 --> 00:23:17,119 Speaker 2: of that comes into play when you're talking about the 385 00:23:17,200 --> 00:23:22,000 Speaker 2: use of insurance. There's no reason that health insurance can 386 00:23:22,200 --> 00:23:26,160 Speaker 2: principally be used as every other major insurance. 387 00:23:25,720 --> 00:23:27,440 Speaker 1: Product that's out there. 388 00:23:28,480 --> 00:23:32,800 Speaker 2: If you have, I don't know, a battery that goes 389 00:23:32,840 --> 00:23:34,640 Speaker 2: bad in your car, what. 390 00:23:34,560 --> 00:23:36,159 Speaker 1: Do you do. 391 00:23:36,200 --> 00:23:38,240 Speaker 2: You go buy a new battery and if you're handy, 392 00:23:38,280 --> 00:23:39,800 Speaker 2: you put it in yourself. If not, you go to 393 00:23:39,840 --> 00:23:42,720 Speaker 2: a mechanic and you pay them to do it. Your 394 00:23:42,720 --> 00:23:45,880 Speaker 2: battery doesn't go bad, and you file an auto insurance claim, right, 395 00:23:46,440 --> 00:23:52,240 Speaker 2: that would be nuts. So your house, you have one 396 00:23:52,240 --> 00:23:55,560 Speaker 2: of your doors in your house that falls off the hinge. 397 00:23:55,720 --> 00:23:58,560 Speaker 2: If you're handy, you go get a new hinge and 398 00:23:58,600 --> 00:24:00,760 Speaker 2: you put that thing back up there. Or not, you 399 00:24:00,800 --> 00:24:03,680 Speaker 2: get a handyman, they come back in and they take 400 00:24:03,720 --> 00:24:07,320 Speaker 2: care of your door. You don't file a property insurance claim. 401 00:24:07,400 --> 00:24:12,200 Speaker 2: That would be backcraft crazy. And so this is how 402 00:24:12,520 --> 00:24:15,439 Speaker 2: healthcare could be used. Health insurance could be used for 403 00:24:15,520 --> 00:24:18,439 Speaker 2: actual health care. You have an emergency, you have something 404 00:24:18,480 --> 00:24:21,320 Speaker 2: where it's going to be a big deal, a catastrophic 405 00:24:21,359 --> 00:24:23,919 Speaker 2: kind of coverage. Now you got the health insurance that 406 00:24:23,960 --> 00:24:27,840 Speaker 2: you've purchased at a significant savings for that. For everything else, 407 00:24:28,160 --> 00:24:30,960 Speaker 2: we are transacting the way that we do with every 408 00:24:31,000 --> 00:24:33,760 Speaker 2: other product in life. And by the way, when you 409 00:24:33,800 --> 00:24:37,879 Speaker 2: take a look at the impact of us being good consumers, 410 00:24:38,080 --> 00:24:40,040 Speaker 2: when you take a look at being able to buy 411 00:24:40,080 --> 00:24:43,560 Speaker 2: the health insurance that you actually need based upon your situation, 412 00:24:43,880 --> 00:24:47,000 Speaker 2: not what's mandated by the federal government. When you have 413 00:24:47,080 --> 00:24:49,600 Speaker 2: all this money in your health care savings account that 414 00:24:49,600 --> 00:24:51,280 Speaker 2: can be used for health care, what do you think 415 00:24:51,320 --> 00:24:53,159 Speaker 2: the outcomes are going to be from a patient in 416 00:24:53,200 --> 00:24:55,240 Speaker 2: a health standpoint, you think they're going to be better. 417 00:24:56,400 --> 00:24:58,919 Speaker 2: The average person doesn't hit their high deductible plan in 418 00:24:58,920 --> 00:25:03,720 Speaker 2: a given year anyway, So people often even with health insurance, 419 00:25:03,800 --> 00:25:08,000 Speaker 2: are not getting the health care services they need because 420 00:25:08,040 --> 00:25:09,760 Speaker 2: the money goes to the health insurance. 421 00:25:09,400 --> 00:25:10,639 Speaker 1: Companies, not to them. 422 00:25:11,160 --> 00:25:12,760 Speaker 2: So now you'd actually be able to pay for your 423 00:25:12,760 --> 00:25:18,320 Speaker 2: health care. We have a healthier country. We have more 424 00:25:18,359 --> 00:25:21,280 Speaker 2: people obtaining more of the health care that they need, 425 00:25:21,320 --> 00:25:25,480 Speaker 2: generally long term outcomes. And the only losers in this 426 00:25:25,600 --> 00:25:30,440 Speaker 2: deal are the medical service providers that have been gaming 427 00:25:30,520 --> 00:25:33,560 Speaker 2: the system and taking advantage of it, and the health 428 00:25:33,600 --> 00:25:37,200 Speaker 2: insurance companies that have been the single biggest winners of all. 429 00:25:37,520 --> 00:25:40,200 Speaker 2: And by the way, for the honest medical service providers 430 00:25:40,240 --> 00:25:40,680 Speaker 2: out there. 431 00:25:40,920 --> 00:25:42,560 Speaker 1: How much money do would you save? 432 00:25:42,640 --> 00:25:44,919 Speaker 2: How much money would fall to the bottom line if 433 00:25:44,960 --> 00:25:47,320 Speaker 2: you didn't have to have like a whole department that 434 00:25:47,400 --> 00:25:51,400 Speaker 2: has just set up to try to decipher the insurance 435 00:25:51,400 --> 00:25:55,239 Speaker 2: claims and the headache and the mess going back and 436 00:25:55,280 --> 00:25:57,280 Speaker 2: forth with an insurance company over a situation. 437 00:25:57,960 --> 00:25:59,600 Speaker 1: How many people wouldn't have. 438 00:25:59,640 --> 00:26:00,000 Speaker 3: To do that. 439 00:26:00,600 --> 00:26:03,520 Speaker 2: How much money could be saved in that process? And 440 00:26:03,560 --> 00:26:08,520 Speaker 2: so there is no downside to this again, unless you're 441 00:26:08,600 --> 00:26:11,199 Speaker 2: part of the fix, unless you're on the receiving end. 442 00:26:11,320 --> 00:26:15,600 Speaker 2: For the average American, the impact is absolutely profound. 443 00:26:16,600 --> 00:26:19,000 Speaker 1: Let's see. Let's go to Bob. 444 00:26:19,080 --> 00:26:23,840 Speaker 2: We'll start with Bob in Florida. Bob, welcome to the show. 445 00:26:24,800 --> 00:26:27,719 Speaker 4: Hi there, Thank you for having me. You've got deeply 446 00:26:27,760 --> 00:26:30,320 Speaker 4: sympathized with all the arguments you've been putting out, But 447 00:26:30,400 --> 00:26:35,320 Speaker 4: I think you missed on the primary point. Health insurance 448 00:26:35,400 --> 00:26:38,000 Speaker 4: is probably the number two issue with the cost of 449 00:26:38,600 --> 00:26:42,320 Speaker 4: health care, and I'll tell you why, Rustling, but pointed 450 00:26:42,359 --> 00:26:45,840 Speaker 4: out about three years ago that half of all money 451 00:26:45,880 --> 00:26:48,520 Speaker 4: that goes to doctors and hospitals is actually going to 452 00:26:48,560 --> 00:26:55,040 Speaker 4: malpractice insurance, and the tort lawyers pocket a significant amount 453 00:26:55,119 --> 00:27:00,359 Speaker 4: of that in massive legal payouts to fripolous laws. Suits 454 00:27:00,480 --> 00:27:03,680 Speaker 4: never should have happened in the first place. To reform 455 00:27:03,800 --> 00:27:07,679 Speaker 4: the port system, you have to fight all those lawyers 456 00:27:08,240 --> 00:27:11,040 Speaker 4: and put in hard limits on how much is paid 457 00:27:11,080 --> 00:27:13,760 Speaker 4: out in malpractice. But you also have to put a 458 00:27:13,800 --> 00:27:18,560 Speaker 4: clause the loser has a mandatory responsibility to pay for 459 00:27:18,600 --> 00:27:23,080 Speaker 4: all legal fees. That'll produce a number of malpractice lawsuits 460 00:27:23,160 --> 00:27:27,360 Speaker 4: by roughly seventy percent. So you're right, in way, way 461 00:27:27,359 --> 00:27:28,040 Speaker 4: way down. 462 00:27:28,680 --> 00:27:31,320 Speaker 1: It actually won't. You're right, but it won't. 463 00:27:31,480 --> 00:27:34,040 Speaker 2: And so I've got information on that too, And so 464 00:27:34,359 --> 00:27:38,680 Speaker 2: a couple things about this. You're right that medical malpractice 465 00:27:38,720 --> 00:27:41,760 Speaker 2: is a problem. The first thing is it's not as 466 00:27:41,840 --> 00:27:43,960 Speaker 2: bad as it used to be, and that is because 467 00:27:43,960 --> 00:27:45,480 Speaker 2: you have had a lot of states that have taken 468 00:27:45,600 --> 00:27:50,320 Speaker 2: action to curb malpractice. Not all, but you have had many, 469 00:27:50,440 --> 00:27:54,800 Speaker 2: including some big states. Even California has curbed medical malpractice 470 00:27:54,800 --> 00:27:58,320 Speaker 2: believe it or not, in recent years. And so malpractice 471 00:27:58,520 --> 00:28:01,240 Speaker 2: is it a problem? Yeah, how much does it actually 472 00:28:01,240 --> 00:28:04,440 Speaker 2: cost in terms of what you're paying for healthcare? The 473 00:28:04,480 --> 00:28:07,520 Speaker 2: most recent analysis, a twenty twenty four analysis heading into 474 00:28:07,560 --> 00:28:11,880 Speaker 2: this year by MEDPLI, two point eight percent two point 475 00:28:11,960 --> 00:28:16,160 Speaker 2: eight percent of total healthcare expense is medical malpractice. So 476 00:28:16,520 --> 00:28:21,040 Speaker 2: we can save between thirty to seventy percent by doing 477 00:28:21,080 --> 00:28:24,119 Speaker 2: precisely what I'm talking about. The President is advocating for. 478 00:28:24,240 --> 00:28:29,160 Speaker 2: Senator Rick Scott is putting pen to paper on and 479 00:28:29,280 --> 00:28:32,760 Speaker 2: we could save an additional two point eight percent if 480 00:28:32,800 --> 00:28:36,360 Speaker 2: we totally solve the medical malpractice piece too. So does 481 00:28:36,400 --> 00:28:39,160 Speaker 2: it factor in? Yes, is that the crux of the issue. 482 00:28:39,360 --> 00:28:43,600 Speaker 2: Not by a long shot. Let's go to Jim Jim 483 00:28:43,760 --> 00:28:45,320 Speaker 2: in Tennessee. Welcome to the show. 484 00:28:47,320 --> 00:28:49,560 Speaker 5: Good afternoon, Brian. Great to talk to you. 485 00:28:50,120 --> 00:28:51,760 Speaker 1: Appreciate him. 486 00:28:52,200 --> 00:28:55,560 Speaker 5: It's a little bit of a bittersweet call. I reached 487 00:28:55,600 --> 00:28:59,160 Speaker 5: your call screener on actually my first call. Great guy 488 00:28:59,320 --> 00:29:00,920 Speaker 5: by the way, very professional. 489 00:29:01,440 --> 00:29:02,360 Speaker 3: But I looked at. 490 00:29:02,200 --> 00:29:05,600 Speaker 5: My phone and you know the contact name that comes 491 00:29:05,680 --> 00:29:10,520 Speaker 5: up when you dial the number said Rush Limbaugh and 492 00:29:10,560 --> 00:29:13,520 Speaker 5: it was from back in the day when I had 493 00:29:13,600 --> 00:29:16,680 Speaker 5: Russia's number on here. So this is a call for 494 00:29:16,720 --> 00:29:24,480 Speaker 5: the great one. The what bothers me. Most about Obamacare, 495 00:29:24,600 --> 00:29:27,400 Speaker 5: besides the lives that we were told when it was passed, 496 00:29:28,080 --> 00:29:31,640 Speaker 5: is the fact that even to this day, I would 497 00:29:31,640 --> 00:29:36,600 Speaker 5: wager that the vast majority of people out there do 498 00:29:36,760 --> 00:29:41,960 Speaker 5: not even realize that this is administered by private insurance companies. 499 00:29:42,320 --> 00:29:45,600 Speaker 5: I think most of them believe that it's just another 500 00:29:45,760 --> 00:29:52,120 Speaker 5: government handout like Medicare. My wife got in a knockdown 501 00:29:52,200 --> 00:29:58,800 Speaker 5: drag out with her leftist siblings recently when all of 502 00:29:58,840 --> 00:30:04,480 Speaker 5: the discussion was on about reducing the subsidies, and they 503 00:30:04,600 --> 00:30:08,800 Speaker 5: simply didn't realize that this is the insurance companies, and 504 00:30:08,840 --> 00:30:12,240 Speaker 5: this was the biggest giveaway to the insurance industry in 505 00:30:12,280 --> 00:30:17,320 Speaker 5: the last forty years. And I worked in the insurance industry. 506 00:30:17,640 --> 00:30:19,400 Speaker 1: Jim, I appreciate the call. 507 00:30:20,200 --> 00:30:23,480 Speaker 2: You're right on point, and thank you for having been 508 00:30:23,760 --> 00:30:28,240 Speaker 2: so loyal obviously during a very long window time. And 509 00:30:28,240 --> 00:30:31,560 Speaker 2: I'll tell you on that particular note there is I'm 510 00:30:31,600 --> 00:30:34,680 Speaker 2: a rush baby, you know. Rush Limbaugh is not only 511 00:30:34,720 --> 00:30:38,280 Speaker 2: the reason that I do this to this day, but 512 00:30:38,440 --> 00:30:42,360 Speaker 2: it's the reason that talk radio exists, and that AM 513 00:30:42,440 --> 00:30:45,960 Speaker 2: radio often still exists, and all the other digital outlets 514 00:30:46,000 --> 00:30:48,200 Speaker 2: that we have today, with all of the content that 515 00:30:48,240 --> 00:30:51,719 Speaker 2: has provided. So we all in this industry owe everything 516 00:30:52,240 --> 00:30:55,320 Speaker 2: to Rush Limbaugh. And it's the one time I've been 517 00:30:55,920 --> 00:30:58,440 Speaker 2: super emotional on air. The one time that I could 518 00:30:58,520 --> 00:31:01,360 Speaker 2: not hold back was today I went on the air 519 00:31:02,040 --> 00:31:05,880 Speaker 2: after after we lost one of the most remarkable human 520 00:31:05,920 --> 00:31:08,200 Speaker 2: beings this planet has ever seen. So I hear you, 521 00:31:08,440 --> 00:31:17,880 Speaker 2: I hear you. Let's go to Don in Wisconsin, real quick, done? Hey, 522 00:31:17,920 --> 00:31:18,480 Speaker 2: do we have you? 523 00:31:18,520 --> 00:31:19,280 Speaker 1: Don matter? 524 00:31:19,400 --> 00:31:21,840 Speaker 3: The fact of the matter is, if if they would 525 00:31:21,880 --> 00:31:24,600 Speaker 3: just enforce the and I trust laws that are on 526 00:31:24,680 --> 00:31:28,600 Speaker 3: the books and force these medical providers to charge everybody 527 00:31:28,640 --> 00:31:32,840 Speaker 3: the same price, insurance or not, there would no longer 528 00:31:32,880 --> 00:31:35,320 Speaker 3: be a need for medical insurance for the most part, 529 00:31:35,360 --> 00:31:38,680 Speaker 3: for most people, other than catastrophic care. An example, and 530 00:31:38,720 --> 00:31:41,280 Speaker 3: I don't know if this model is still functioning in Oklahoma, 531 00:31:41,560 --> 00:31:45,600 Speaker 3: but the Oklahoma Surgical Center did not accept insurance whatsoever, 532 00:31:45,920 --> 00:31:48,200 Speaker 3: and you could get a knee replacement down there for 533 00:31:48,320 --> 00:31:52,360 Speaker 3: eighty percent less than you would pay with normal insurance 534 00:31:52,440 --> 00:31:54,680 Speaker 3: in the normal market that we're dealing. 535 00:31:54,400 --> 00:31:58,880 Speaker 1: With, Greg being the laws that are already on the book. 536 00:31:59,760 --> 00:32:03,040 Speaker 2: Appreciate it, and getting away from the insurance first model, 537 00:32:03,200 --> 00:32:07,960 Speaker 2: consumer price transparency not being forced into buying, buying insurance 538 00:32:08,000 --> 00:32:10,720 Speaker 2: that we don't need, being able to use the actual 539 00:32:10,760 --> 00:32:15,440 Speaker 2: money for health care rather than purchasing health insurance. All 540 00:32:15,480 --> 00:32:18,320 Speaker 2: these things would solve the problem. I'm Brian mudd In 541 00:32:18,400 --> 00:32:19,080 Speaker 2: for Clay and Buck. 542 00:32:28,080 --> 00:32:30,920 Speaker 1: Hey, I'm Klay Travis and I'm Buck Sexton. You know 543 00:32:31,000 --> 00:32:33,880 Speaker 1: what we're thankful for this year, all of you. That's right. 544 00:32:34,000 --> 00:32:37,600 Speaker 2: We have the best radio audience in the country, hands down. 545 00:32:37,800 --> 00:32:40,920 Speaker 2: Sending a big, warm and happy Thanksgiving from the Clay 546 00:32:40,960 --> 00:32:42,640 Speaker 2: and Buck Show today. 547 00:32:42,720 --> 00:32:46,720 Speaker 5: More than ever, we need people who will promote dialogue 548 00:32:46,760 --> 00:32:49,640 Speaker 5: and practice it with firm will and patient resolve. 549 00:32:51,480 --> 00:32:55,840 Speaker 2: Pebleo is part of this Thanksgiving message. Happy Thanksgiving weekend 550 00:32:55,960 --> 00:32:58,320 Speaker 2: to you and your family this Black Friday. 551 00:32:58,360 --> 00:32:59,960 Speaker 1: Brian mud In for Clay and Buck. 552 00:33:00,080 --> 00:33:02,920 Speaker 2: Again the great uniter talked about in the second hour, 553 00:33:03,000 --> 00:33:05,880 Speaker 2: President Trump, you want to talk about dialogue, unprecedented piece 554 00:33:05,920 --> 00:33:07,719 Speaker 2: the man's brought about. We could be talking about at 555 00:33:07,800 --> 00:33:10,760 Speaker 2: Russia Ukraine. Most recently though, were talking about healthcare. And 556 00:33:10,760 --> 00:33:12,520 Speaker 2: here's the final point I would mention to you, as 557 00:33:12,560 --> 00:33:13,920 Speaker 2: I've been talking about. 558 00:33:13,640 --> 00:33:14,760 Speaker 1: Trump Care being the fix. 559 00:33:15,320 --> 00:33:19,200 Speaker 2: If you could have all the money orn Obamacare subsidy 560 00:33:19,240 --> 00:33:22,440 Speaker 2: provided directly to you, in a health savings account as 561 00:33:22,440 --> 00:33:24,840 Speaker 2: opposed to paying for insurance. Would you want it if 562 00:33:24,880 --> 00:33:27,440 Speaker 2: you have an employer sponsored plan, would you rather that 563 00:33:28,520 --> 00:33:31,120 Speaker 2: seven to twenty thousand dollars going to a health savings 564 00:33:31,160 --> 00:33:34,480 Speaker 2: care account that you have control over, or would you 565 00:33:34,560 --> 00:33:37,360 Speaker 2: rather going to the insurance company. And the point is this, 566 00:33:37,800 --> 00:33:41,440 Speaker 2: it's not just a fix, it's good politics. Good policy 567 00:33:41,720 --> 00:33:44,840 Speaker 2: is often good politics. And I can't imagine the universe 568 00:33:44,880 --> 00:33:47,680 Speaker 2: in which the President of the United States representatives in 569 00:33:47,720 --> 00:33:51,000 Speaker 2: Congress present this to the American people where you're going 570 00:33:51,040 --> 00:33:52,640 Speaker 2: to say, you know what, I'd rather the money just 571 00:33:52,640 --> 00:33:55,240 Speaker 2: go straight to the insurance company. I'm happy with this 572 00:33:55,320 --> 00:33:56,240 Speaker 2: insurance first model. 573 00:33:56,280 --> 00:33:56,960 Speaker 1: Everything it's great. 574 00:33:57,280 --> 00:33:59,640 Speaker 2: I don't want to say thirty to seventy percent on 575 00:33:59,640 --> 00:34:01,600 Speaker 2: my health care. No status quo is a good thing. 576 00:34:01,720 --> 00:34:04,120 Speaker 2: So I leave you with that thought, we can fix 577 00:34:04,200 --> 00:34:07,040 Speaker 2: this thing. God bless you and your family. Brandon proclaimed 578 00:34:07,080 --> 00:34:10,560 Speaker 2: Bus nexton on the front lines of truth.