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Speaker 1: Getty Show and this a point at the meet. The
Speaker 1: reason the President and Leader McConnell are moving forward so
Speaker 1: quickly is because they want to overturn the Affordable Care Act.
Speaker 1: And when people understand and they do what this means
Speaker 1: in their lives. No more benefit of the pre existing condition,
Speaker 1: no more having your children doing your policy until twenty
Speaker 1: six years old, no more having Medicaid expanded to cover
Speaker 1: long term healthcare in the needs of our children with
Speaker 1: pre existing conditions, and returning to a time where being
Speaker 1: a woman is a pre existing medical condition. The people
Speaker 1: know that, and that's why the Republicans are rushing. They
Speaker 1: want to get it done so they can overturn the
Speaker 1: Affordable Care Act. So the very sad one Jerry Nadler
Speaker 1: pooped himself right then, the very smart and crafty Nancy
Speaker 1: Pelosi clearly decided on the Sunday Shows and sense that
Speaker 1: the way to handle this Supreme Court thing is we
Speaker 1: can't we can't stop them, but we just got to
Speaker 1: make people scared of Republicans not having the Senate because
Speaker 1: with the with the Supreme Court in the Senate, they
Speaker 1: are going to destroy Obamacare. That's what the Supreme Court
Speaker 1: is going to do. And then so then I was
Speaker 1: listening to one of my favorite right leaning but fair
Speaker 1: podcasts and they said, no, that's way, way overstated. And
Speaker 1: I thought, I have no idea what's up for discussion,
Speaker 1: But I know somebody who does know. Indeed, that would
Speaker 1: be Craig got Wall's Craig the healthcare Guru, formerly known
Speaker 1: as Craig the Obamacare Lawyer, attorney, law benefit consultant, and
Speaker 1: the the keeper of the Benefit Revolution webs etcetera. Greig,
Speaker 1: how are you, sir? I am well, how are you? Gentlemen? Oh?
Speaker 1: Just just terrific, really awesome, dude. It's really twenty man,
Speaker 1: really enjoying the news cycle, feeling close to our fellow Americans.
Speaker 1: It's just smooth sailing is going great anyway. Um, so,
Speaker 1: what what is your take on this upcoming decision? How's
Speaker 1: it being misreported? What? What's the reality here? Well, this
Speaker 1: thing has been potentially the most misreported story on on
Speaker 1: the Affordable Care Act or or Obamacare, whatever you want
Speaker 1: to call it, because, um, we we really have not
Speaker 1: had an individual mandate ever. Uh, going way back to
Speaker 1: the beginning of Obamacare, they put an individual mandate in.
Speaker 1: The logic was you need to have an individual mandate
Speaker 1: because you've got to have the healthy people buying in
Speaker 1: as well as the sick people so that you balance
Speaker 1: out premium and insurance works as it's intended and we
Speaker 1: don't end up with what they labeled a death spiral. Right,
Speaker 1: So that's how insurance works. But if you'll remember all
Speaker 1: the way back into the into the early teens, immediately
Speaker 1: once Democrats passed this law, they realized, what will It
Speaker 1: is not politically popular for us to be finding our
Speaker 1: constituents who cannot afford healthcare. So at peak lunacy, at
Speaker 1: peak insanity, and Obamacare they had administratively, not through legislature,
Speaker 1: but through bureaucrats in d C. They had created thirty
Speaker 1: two different exemptions to the individual mandate, and it was
Speaker 1: wonderful things like things that said, if you've received the
Speaker 1: p g n E shut off notice in the last
Speaker 1: six months, you don't have to buy obamacare. If you
Speaker 1: had a death in your family last year, you don't
Speaker 1: have to buy obamacare. And our very favorite one, are
Speaker 1: very favorite one was if you feel, yeah, that's right,
Speaker 1: feel that the exchange plans are more expensive than what
Speaker 1: you have available to you otherwise, then you don't have
Speaker 1: to buy Obamacare. I don't think. I don't think the
Speaker 1: word feel should be in any government statute of any kind.
Speaker 1: And so eventually, to skip ahead a little bit, the
Speaker 1: individual mandate only applied to two percent of people, right,
Speaker 1: that's right of Americans were able to pass the very
Speaker 1: very low i Q test that said, oh my gosh,
Speaker 1: all I gotta do. All I gotta do is pretend
Speaker 1: I tried to buy Obamacare and the website was down
Speaker 1: and boom, I'm exempted. So yeah, okay, two of Americans
Speaker 1: ever paid this fine. So the reason this is significant
Speaker 1: is because Judge Roberts cast the deciding votes saying Obamacare
Speaker 1: in the original review was legal because the penalties for
Speaker 1: not buying it in the individual mandate were attacks and
Speaker 1: not a penalty. So it's okay that it came up
Speaker 1: in the House. Was it that has to start all taxes. Uh,
Speaker 1: and it's it's a little legally complicated, but it's all
Speaker 1: about the individual mandate being attacks. Yes, So in Supreme
Speaker 1: Court looked at it and Judge Roberts sp Court. Justice
Speaker 1: Roberts decided that, yeah, Obamacare can stand. So take one
Speaker 1: step beyond that. The administration and the people that supported
Speaker 1: the law made the argument that, oh, we have to
Speaker 1: have an individual mandate because without the individual mandate, the
Speaker 1: whole law crumbles. That was the Obama administration's argument. So
Speaker 1: it goes to the Supreme Court five cour decision with
Speaker 1: Judge Roberts saying, yet, the individual mandate is integral to
Speaker 1: the law, and we can save the individual mandate as
Speaker 1: a tax, all right. So then immediately after that, Democrats
Speaker 1: started looking at it did what I said, They put
Speaker 1: all these exemptions in the individual mandate never actually compelled
Speaker 1: anybody to buy anything. So fast forward all the way
Speaker 1: to where we passed a law Congress, President Trump signed it,
Speaker 1: Congress pasted it. It was the tax cuts law that said,
Speaker 1: you know what, the individual mandates really a joke. We're
Speaker 1: going to reduce the tax of the individu. We're gonna
Speaker 1: keep the individual mandate in there. That's fine for for
Speaker 1: legal reasons. But we're gonna reduced the penalty of the
Speaker 1: individual mandate to zero dollars. And everybody agreed to it,
Speaker 1: Democrats and Republicans. It was a bipartisan passage. All right.
Speaker 1: We send some very very creative, very creative conservatives who
Speaker 1: really hate Obamacare and want it gone started bringing cases.
Speaker 1: In fact, there's a dozen or more states that brought
Speaker 1: this case. The most popular one is Texas versus A
Speaker 1: s R. A s R. Being the secretary of HHS.
Speaker 1: We've spoken to. He's a close, dear friend of ours.
Speaker 1: Go on, he's he's a good friend of the show.
Speaker 1: Eighteen states in total, actually, with Texas saying, okay, look,
Speaker 1: you you you argued in twelve that the individual mandate
Speaker 1: was necessary. Otherwise the law crumbles, and we've all agreed
Speaker 1: now that the individual mandate is zero. So therefore it
Speaker 1: is no longer attacks by law. There is no authority
Speaker 1: for this thing, and the law must fail. Federal court agreed,
Speaker 1: Appellate Court agreed. On November tenth, our new Supreme Court
Speaker 1: with eight or nine people on it, whoever knows, we'll
Speaker 1: hear this case. So you can have a tax of
Speaker 1: zero and still call it a tax. Therefore the entire
Speaker 1: act is no longer coherent or whatever, and it goes away.
Speaker 1: Then yes, according to this is the legal argument. Right,
Speaker 1: So this is these are these are professorial types in
Speaker 1: in law in law classes saying and it's it's creative.
Speaker 1: I have to hand it. The legal argument is strong,
Speaker 1: and it says you you saved this law on the
Speaker 1: individual mandate. The individual mandate is no more, therefore this
Speaker 1: law must crumble. It's a very creative argument. Well, now,
Speaker 1: the other side of your sume, as we mentioned in
Speaker 1: the introduction, is your benefits consultant. You're an expert on
Speaker 1: health insurance and company plans and the rest of it.
Speaker 1: If indeed the Supreme Court agrees with that legal reasoning, Uh,
Speaker 1: the next day are the exchanges closed and nobody has
Speaker 1: health insurance? And Nancy Pelosi's right on their own right
Speaker 1: exactly what what are you suppose would have no way,
Speaker 1: no way under the sun that happens. Let me jump
Speaker 1: ahead to the punchline, which I think will surprise you guys,
Speaker 1: and then we can work backwards. Obamacare is here to stay,
Speaker 1: at least that which is left of Obamacare. Obamacare is
Speaker 1: so dramatically changed from what they were talking about passing
Speaker 1: in two thousand nine. These the these, this thing is
Speaker 1: completely different. It's it's way more insurer and public friendly
Speaker 1: at this point that it's gonna stay. You're going to
Speaker 1: have kids on the plan until they're twenty six, you're
Speaker 1: going to have exchanges. You're probably never going to have
Speaker 1: an individual mandate again, which is great because that's what
Speaker 1: most conservatives and libertarians objected to, was the government compelling
Speaker 1: them to buy something they didn't want. That was the
Speaker 1: whole thing. Oh Jack, that's cute. You're so annequated. Do
Speaker 1: you worry about our friend Boomer for things? Okay, Um,
Speaker 1: so Jack, let's let's just play with some numbers here
Speaker 1: and again. People are gonna be like Craig has changed
Speaker 1: his tune. Well, I've changed my tune because a few
Speaker 1: things have happened in right. Um, Obamacare was originally scheduled
Speaker 1: to cost under a trillion dollars. It's now going to
Speaker 1: cost two trillion because because of all these changes, because
Speaker 1: they're not going to pay for the individual mandate, it's
Speaker 1: gonna be two trillion soon, it'll be three trillion. Right,
Speaker 1: It's gonna grow However, the alternative that five I just
Speaker 1: sent you guys the poll last night of the Democratic
Speaker 1: Party of people that identify as Democrats support Medicare for
Speaker 1: all that costs thirty two trillion dollars over ten years.
Speaker 1: So at this point in the new world order of
Speaker 1: we don't pay for anything, we're running our our debt
Speaker 1: up to thirty trillion rapidly. I think the best thing
Speaker 1: that fiscal conservatives can do is hold on for dear
Speaker 1: life and embrace Obamacare, because what's coming after Obamacare is
Speaker 1: going to be devastating to our economy. While that is
Speaker 1: some some that's some real politic right there, bless my suspenders,
Speaker 1: that is something because you told us, well you told
Speaker 1: us years ago that we were ten years out from
Speaker 1: single pair of healthcare. It was just gonna happen. I
Speaker 1: don't know how close you think we are now. I
Speaker 1: think it happens by that wow wow and again. But
Speaker 1: this is this is not rooting interest. This is just
Speaker 1: me watching guyst of our country, watching how we print money,
Speaker 1: watching how we spend watching how neither of our bilateral choice,
Speaker 1: as you say, Jack, give a rip about fiscal fiscal
Speaker 1: that that's dead as a concept. And you know, I
Speaker 1: want the truth. The core, the core of conservativism is
Speaker 1: recognizing what is. If this is what is, that's what is.
Speaker 1: I mean, whether you like it or not. Um, what
Speaker 1: are the chances anybody loses protection for pre existing conditions?
Speaker 1: Less than a five chance? So you fishing? Yeah, we've
Speaker 1: we've handed out those goodies. We've handed out protections on
Speaker 1: existing kids on the plan until they're twenty six, exchanges
Speaker 1: with taxpayer dollars available to assist you in buying those plans.
Speaker 1: We've handed out those good We've handed out the expansion
Speaker 1: of Medicaid right. Um, those are never coming back. That is,
Speaker 1: that is take back, that is the democratic platform. You
Speaker 1: will lose protection for pre existing conditions. Oh yeah, yeah,
Speaker 1: that's the threat right now. And you will be attacked
Speaker 1: by rabid unicorns. If a CBS on the court, you're
Speaker 1: going to lose your protection. Women will become second class citizens, etcetera.
Speaker 1: And there is practically zero chance of that happening under
Speaker 1: any circumstance. This is why you tune in, my friends
Speaker 1: to hear the truth. Politically, you know, that's the thing. Politically,
Speaker 1: I don't know how you combat that because Trump has
Speaker 1: said many times over. He is for protecting UH exists.
Speaker 1: And I don't know how you combat that. Right. So
Speaker 1: what you're saying is, and this is really something. The
Speaker 1: conservative choice, the fiscally conservative choice, is to embrace Obamacare
Speaker 1: right now and to try to hold onto it. That's believable.
Speaker 1: I really do. I really do think that's our best
Speaker 1: bet at this point, because we can. We can patch
Speaker 1: up Obamacare and limp along here. Now. The one piece
Speaker 1: of Obamacare that that if Trump is reelected and we
Speaker 1: get a conservative Congress, the one piece of Obamacare that
Speaker 1: still needs to change that would be great for liberty
Speaker 1: is eliminate the employer mandate, because right now we have
Speaker 1: we still have an employer mandate where you know, all
Speaker 1: employers with more than fifty employees have to buy insurance.
Speaker 1: It's yotta gayoa. Get rid of that, and then this
Speaker 1: thing is no more than a high risk pool for
Speaker 1: ten million people. That's the other thing I want to
Speaker 1: I want to throw it out there, guys. When we
Speaker 1: passed Obamacare, we had thirty to forty million uninsured in America. Okay,
Speaker 1: today we have twenty eight million uninsured in America. All this,
Speaker 1: all this a lot, all this for hardly moving the
Speaker 1: needle at all. The cost, the political capital, the rallies,
Speaker 1: the fights, the rhetoric, all of this for really not
Speaker 1: moving the needle at all on the supposed goal of
Speaker 1: the damn for the love of heavens. So we will
Speaker 1: have a link at Armstrong and Guinea dot com to
Speaker 1: Craig's recent writings on this stuff. It's absolutely terrific. Craig
Speaker 1: got Wallas, Craig the healthcare guru, attorney law benefits consultant.
Speaker 1: When are we going bass fishing man? Hey, you know
Speaker 1: what the boats in the shop? I get it back tomorrow.
Speaker 1: So all right, let's talk Craig, Thanks a milion, nice job.
Speaker 1: All right, we'll talk. So I should say the supposed
Speaker 1: stated goal of the whole thing, because the goal of
Speaker 1: the whole thing, as we've talked with Craig about before,
Speaker 1: was to get single pair of healthcare. This was a
Speaker 1: way to get there, and every dependent on the government
Speaker 1: for every and it's been successful, correct, successful? Um, Okay,
Speaker 1: there you go. That answers that. Army Strong And when
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