Q&A of the Day – TrumpCare & How Much Healthcare Is Actually Used

• The average American’s actual healthcare expense is only 26% of what the cost of their health insurance policy costs 

• The average ACA policy subsidy is $4,213 more than what the actual cost of healthcare is 

Episode Transcript

Speaker 1 (00:04):
You have questions, Brian has answers. It's time for today's
Q and A of today. This is the Brian Mud Show. Yeah,
today's Q and A Trump Care and how much healthcare
is actually used? I think this is a real eye
opener and I appreciated today's question to bring you this information.
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(00:27):
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(00:48):
you're in there, look for a little microphone button. See it,
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maybe for a future Q and A. Today's notice this
at Brian Mud Radio, great work exposing Obamacare lies. Questions
don't spend twenty seven thousand dollars for health care? But
how much is really used? And so yeah, it is
a great question. They're rolled in following my recent story,

(01:09):
what comes next for ACA policies. Where I said, this
currently the average cost for an exchange based policy for
a family for twenty seven five bucks, and I asked
the question, how many families come anywhere close to needing
or using twenty seven thousand dollars plus and healthcare per year? Okay,

(01:30):
so about that? About that health care costs excluding insurance premiums.
How much do you think we actually spent in the
most recent year the average American on healthcare, not health insurance,
but actual health care services. This includes the whole ballfax,

(01:55):
including drunks average American.

Speaker 2 (01:58):
I would I'd say seems high, but I would say
around three thousand.

Speaker 1 (02:05):
And if you divide that into you're about there. Wow,
fifteen hundred and fourteen dollars. Okay, So fifteen hundred and
fourteen dollars. That represents the national out of pocket spending
per person across all ages, everything excluding health insurance. Just

(02:27):
how much was used on the healthcare of that person. Okay,
So what does that look like for the average family
for six thousand, fifty six dollars? Now, remember we established
that the average family of four is health insurance policy
in this country most recently was over twenty seven thousand dollars.

(02:51):
Who's getting most of the money here, Joe, I know
you've got this one. Who is getting most of the
money here.

Speaker 2 (02:58):
Would not be me? Let's see, it would not be you. No,
maybe the insurance companies.

Speaker 1 (03:06):
House speaker Mike Johnson with Maria part Tremo. The Democrats
broke the American healthcare system. The reason your premiums are
skyrocketing is because they have terrible policies, and one of
them is subsidizing insurance companies. That's what this covid arasubsidy
was all about. Ding ding ding, Okay to the real
health cost of healthcare what we actually use in healthcare

(03:27):
in a year fifteen hundred dollars per person, six thousand
family for However, as this pertains to the debate about
the covid era Obamacare tax credits that propped up the
unaffordable ACA plans on the exchange and that are currently
in focused because they're set to expire, the average per
person ACA exchange based health insurance policy is five ninety

(03:53):
two dollars. Can remember the average healthcare used fifteen hundred bucks,
the average exchange based policy fifty nine hundred dollars, with
the average subsidy for that plan, by the way, being
fifty seven hundred and twenty seven dollars to jaell. All

(04:16):
this taxpayer money, all these subsidies that must be paid out.
We've got to shut down the government, maybe forever, unless
these healthcare subsidies can be paid out for these plans.
This is about life and death. This is about who's
getting almost all of the money.

Speaker 2 (04:34):
The insurance companies. And I would, and I'm a skeptic,
I would guess that whatever politicians are lobbying for them,
maybe some of.

Speaker 1 (04:42):
That, Oh, the scam artists Democrat politicians that are getting
the kickbacks in the former campaign contributions from these companies. Yeah, yeah,
you're on target there, sir. These are all good deductions
by you. That's the scam. Here's the fact. The average
American's actual health care expense is only twenty six percent

(05:07):
of what the cost of their health insurance policy is.
That's nuts, backcrack, crazy nuts. The average ACA policy subsidy
is forty two hundred and thirteen dollars more than what
the actual cause of health care is. And this is

(05:28):
huge for multiple reasons. First, imagine if the cost of
health care declined by seventy four percent and Joel health
significant would it be for the average family if the
net cost of healthcare is seventy four percent less than
the currently Yes.

Speaker 2 (05:41):
Pretty significant because we could spend the money on things
we actually need to spend the money on.

Speaker 1 (05:45):
Would be a huge deal with it, or in the
case of an employer sponsored plan, imagine if you ended
up getting that money just in the form of compensation,
rather than your company paying the health insurance companies for
the health care that you can afford to use because
you have a high deductible. Anyway, here's the thing, and
it's what always drives me nuts. You always have the
we can't do this, We've got to do the substats.

(06:06):
No we don't, No, we don't. People get trapped in
these ideas. We have to keep doing a broken system
of a broken way. We can actually push through a
seventy four percent decline and the cost of health care
if we simply got rid of this existing model, if

(06:27):
we simply got rid of the insurance first model. As
I have consistently said for decades, the key to solving
healthcare affordabuilding challenges is consumer price transparency, and the biggest
obstacle to price transparency is the insurance first model. Health
insurance should be no different than any other insurance product.
If you have regular health care needs, you should go
to your health care provider and pay for it. If

(06:48):
you have a major medical need or emergency, you file
an insurance claim for it. If we use this model,
we would lower the total cost of healthcare by seventy percent.
But instead we have a system where we spend all
this money that the government nor us as individuals can afford,
where almost all the money goes to the health insurance companies. That's,

(07:09):
by the way, the extra occasional blow to the health
insurance industry because the healthcare providers know what insurance companies
will pay for, and so they know unnecessary tests they
can order up in variou different things that they can
get the health insurance companies to pay for. So there's that.
So enter Trump Care president talking about it again yesterday.

Speaker 2 (07:31):
They could put it in a health account.

Speaker 1 (07:33):
We can do it a lot of different ways, but
they'd buy their own health insurance.

Speaker 2 (07:37):
They can negotiate price, and it's going to be locked.

Speaker 1 (07:40):
So they can't go out and buy a cadillact.

Speaker 2 (07:43):
I forget it.

Speaker 1 (07:44):
No cadillacts maybe afford Do they still make the escort?

Speaker 2 (07:51):
I don't know, not if they're say, the Focus, not if.

Speaker 1 (07:53):
They're Megan that's what it. Yeah, I think replaced it Thection,
not not if they manufactured them in Mexico, but if
they did the Focus in the United States, maybe that one.
I look, the big falsehood that's perpetuated in the healthcare
debate is that health insurance equals healthcare. It most certainly
does not. For many, especially in the era of high

(08:14):
deductibless as the norm, the cost of pain for health
insurance is the greatest obstacle to actually affording health care.
The analysis clearly illustrates the point two sides of the stories.
One side of facts. These are the facts when Trump
is talking about where you would just get an account
with the money in it that you could use for
ractional health care, would solve the problem.