November 20, 2025 • 14 mins
The fix has been in on healthcare since March 23rd, 2010. That’s the day that Barack Obama signed into law the ACA and all the lies that came along with it. It wasn’t true that the law made healthcare affordable. It wasn’t true that if you liked your existing health insurance plan, you could keep it. It wasn’t true that if you liked your doctor, you’d still be able to keep seeing him (or her). What was true was that one of the greatest corporate welfare projects in American history, if not the largest, was set into motion and along with it a guarantee that there would be less healthcare affordability.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Welcome to the Brian Mud Show and thank you for listening.
It's time for today's top three takeaways. Helpful, useful, repeatable.
Speaker 2 (00:11):
Yeah, that's what could change everything. It could change absolutely
everything in a very positive way.
Speaker 1 (00:17):
What is it?
Speaker 2 (00:19):
It's Trump here, It's Trump here, something that was pumped
to talk to Senator Rick Scott about yesterday because it
is being drawn up the way that I hoped it
would be. If, by the way, you missed that interview,
you can check it out the Brian Mudshow podcast and
really good stuff there, and we're going to dive into
some of that and what it means to the applications here.
Speaker 1 (00:40):
First, you did last night?
Speaker 2 (00:43):
Have the President signed the Epstein Files Act in to law?
Speaker 1 (00:47):
Fox's christ and Goodwin.
Speaker 3 (00:50):
President Trump taking to truth Social Wednesday night to reveal
he signed the Epstein Files Transparency Act into law. The
measure compels the Justice Department to make all unclassified information
files related to late sex offender Jeffrey Epstein publicly available
in a searchable and downloadable format within thirty days, but
it has exceptions for certain sensitive material, including Epstein survivor's
(01:11):
personal information.
Speaker 2 (01:12):
Yeah, so we will wait and see what will be there.
Thirty days for all that to come out, and if
you want a lot of detail on it, I covered
that extensively and yesterday show is something else you can
get in the podcast or the Brian Mudship blog. Let
me dive in on my top takeaway today. The fix
has been in. The fix it has been in, and
(01:34):
the fix has been in on healthcare. You can make
a case it's been a lot longer than this, but
the actual fix since March twenty third to twenty ten,
because that was like the final nail nail in the coffin.
That is the day that Barack Obama signed into law
the ACA, and along with it all the lives.
Speaker 1 (01:54):
It was not true, right.
Speaker 2 (01:55):
It was not true that the law would make healthcare
affordable been noneth thee less affordable ever since. It was
not true that if you liked your existing health insurance plan.
Speaker 1 (02:07):
You could keep it.
Speaker 2 (02:08):
As I detailed last week, over four million Americans were
kicked off of their preferred health insurance plan because it
didn't meet the Obama gay requirements. Including listener that submitted
to Q and I, it wasn't true that if you
liked your doctor you necessarily would be able to keep
them either now, Well, what's true was that one of
(02:28):
the greatest corporate welfare projects in American history, if not
the largest, was set into motion, and along with it,
I guarantee that you would have less health care affordability.
And that's because the not Affordable Care Act took the
single greatest obstacle to affordable healthcare, which is health insurance,
and mandated it. The greatest lie that's been perpetuated ever
(02:52):
since is that, well, health insurance equals healthcare. I have
always wanted, you know, and you'll hear me say this sometimes.
I'm not a violent person at all, but it makes
me want to throw things when I hear people, and
it's almost always politicians because everybody else pretty much knows
that health insurance does not mean health care.
Speaker 1 (03:09):
But when people.
Speaker 2 (03:12):
Will talk about health insurance as though it's healthcare, I
just want to scream and throw things. Is utter bs.
The fact of the matter is that for the average American,
the average family, they can't afford actual health care because
of the staggeringly high cost of just paying for health insurance.
(03:34):
It's true with employee sponsored plans, especially true of exchange
based on Obamacare plans too. We recently had a six
week partial government shut down, the longest in history. Why Well,
because Democrats claim that there'd be a healthcare crisis if
(03:54):
COVID Era, a Obamacare tax credits that propped up the
Unaffordable CARECT plans were not extended. So in voting no
for the continuing Resolution and the partial government shutdown sent
a minority leader Chuck Schumer said, this healthcare crisis is
so severe, so urgent, so devastating for families back home,
that I cannot in good faith support this. Okay, So
(04:15):
what is this healthcare crisis he's speaking of. It's Abomacare,
something he personally voted to create, something that was pitched
as the Affordable Care Act. It has been such a
failure by the way of what it was sold to
be that unless ninety two percent of the costs are
paid for by people who don't use those plans, and
(04:39):
that's a crisis, which means that on top of it
is I've also illustrated previously, if you're not one of
the twenty one million people on an exchange based plan,
you get the joy of pay for your own health insurance,
your own health care that you actually need. And then
also the Obamacare subsidies. Lucky person, you. The only winners
(05:07):
in this have been the healthcare insurance that's it, and
then some around the periphery have been able to exploit
the situation and taxpayers. And so it leads to me
to my second takeaway on what needs to be fixed.
I talked about my conversation with Senator Scott yesterday that
came off of what he said he was working on
starting Sunday when he told Fox News this.
Speaker 4 (05:28):
You give money directly to the consumer. They buy the
insurance plan, they want you protect pre existent condition, and
you give them information. They should know what everything costs,
they should know what the outcomes are.
Speaker 1 (05:41):
Yeah.
Speaker 2 (05:41):
So, as I've consistently said for decades, the key to
solving healthcare affordability is consumer price transparency. We're really good
at this stuff. We're really good at finding good deals,
at shopping around, at figuring out what's best for us
when we have a clue, when we actually have a
(06:04):
chance to do so. The single biggest obstacle to price
transparency is what it's 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. You know,
I always say you need an oil change, you take
(06:26):
it to your mechanic or where you go to get
your oil. You don't file an insurance plan for it.
You know you have a door hinge that comes loose.
Either go get a new door hinge and you put
it in yourself, or you get a hand a man
to do it. You don't file a property insurance clan.
Speaker 1 (06:45):
It's nuts, no matter what it is.
Speaker 2 (06:47):
We can't do anything without the health insurance plan. And
then we don't even know what anything costs. Nuts as nuts, backcraft,
crazy nuts. Health insurance should be like every other insurance.
It should be there as a backstop, a backstop, not
(07:11):
what everything gets funneled through. And if we use that model,
we would not only know what stuff actually costs before
we've signed a piece of paper saying yeah, no clue
what's going to happen with this healthcare service provider. No
clue how much it's going to cost, No clue how
much my health insurance company is going to pay.
Speaker 1 (07:30):
But whatever's left, man, I got that. I'm signing right
here on the dot A line says I do it. Nuts.
We are ever compelled to do it.
Speaker 2 (07:37):
I actually think it's unconscionable, frankly, that we were ever
put in this position that is like the epitome of
stealing from people. Force compel people to get health care,
to have to sign a piece of paper that says
you're going to pay whatever it is, no matter what
it is, and you don't know up front, And as
(07:59):
I have illustrate, if we use this model, we could
lower the total cost of health care by greater than
seventy percent, or if you take a look at just
using the catastrophic insurance model based upon how far you
want to go with that insurance, anywhere thirty to sixty
percent savings. The average American only spent fifteen hundred and
(08:23):
fourteen dollars on actual health care needs over the prior years,
but the average cost for the average health insurance plan
was about fifty nine hundred dollars last year. So the
difference over forty two hundred win ware to the health
insurance companies with occasional extra bloat within the health care
(08:45):
service industry. It's for this reason that the best answer
for a path forward is what trump Care, not extended
Obamacare subsidies one and a half thousand dollars for healthcare
per person per year.
Speaker 1 (08:58):
That is very affordable.
Speaker 2 (09:00):
Almost six grand for health insurance before you even receive
or pay for any actual healthcare is what's unaffordable here,
which leads me to my third takeaway today.
Speaker 1 (09:10):
What's being fixed President Trump on Sunday.
Speaker 5 (09:13):
They can put it in a health account. We can
do it a lot of different ways. But they'd buy
their own health insurance. They can negotiate price, and it's
going to be locked. So they can't go out and
buy a Cadillac.
Speaker 2 (09:26):
Yeah, no Cadillacts, just maybe some Ford focuses.
Speaker 1 (09:32):
We'll see now.
Speaker 2 (09:33):
So it has to be used on how you in
a couple things about this. So Senator Rick Scott what
he's working on right now, what we talked about yesterday.
He's authoring the Trump Care Bill, aimed at fixing the
failures of the Affordable Care Act and really what we've
been in as a society long before that. President Trump
(09:54):
recently posted the only healthcare I will support or approve
is sending the money directly back to the people. Nothing
going to the big, fat rich insurance companies who have
made trillions and ripped off America long enough, the people
will be allowed to negotiate and buy their own much
better insurance. Power to the people, Congress, do not waste
your time and energy on anything else. This is the
(10:16):
only way to have great health care in America. Get
it done now, and that's exactly what's being drawn up
by Senator Scott right now. So in talking with him
about the Trump Care proposal, he said two things that
are going to be key and truly fixing healthcare's affordability crisis.
The first is that the legislation will call for money
(10:38):
that previously been used for RAZA subsidies to instead be
given in the form of health savings accounts that then
could be used for health care services you need. Buying
health insurance with it would no longer be mandatory. That's
also key. You can buy the kind of insurance at
the level you want, and even in the event health
(10:58):
insurance is purchased, it could be for a plan that
is customized for you. This would result in consumer choice
and healthcare significantly, improve price transparency, and likely lead to
a change in philosophy generally. Senator Scott indicated that he
thought that the healthcare first model, as opposed to the
(11:19):
health insurance first model would likely result in the rest
of society following the lead. And that's where it becomes huge.
Beyond the twenty one million on ACA plans and everybody
else who pays for them, what would that mean?
Speaker 1 (11:33):
Well, consider this.
Speaker 2 (11:34):
In twenty twenty five, the average employer is paying seventy
eight hundred dollars toward towards an employee's health insurance plan.
The total that jumps to over twenty thousand dollars for
the average family plan. So imagine if, rather than somewhere
from seventy eight hundred to twenty thousand plus dollars being
(11:54):
paid directly to insurance companies, that money were just to
flow into your health savings account instead. How would that
work out for you? You be better off or worse
for that situation, and then you figure out what's best
for you and your family. And by the way, that's
also an addition to the greater than fifteen hundred dollars
(12:15):
the average employee paid toward their employer sponsored plan, or
be greater than sixty eight hundred dollars that's paid by
employees for their family plan that's employers sponsored. So would
you rather choose to use how all of that money
works best for you and your family and your health
care needs. How much savings do you think you likely
(12:36):
would be able to find? So what we're talking about
would be truly transformational in solving the actual health care
affordability crisis in this country. The legislation is still being written.
It's important that the final product equals the explanation. But
if it does, and it sounds like it does. And
I've known Senator Scott for a long time and I've
known him to be a man of his word, this
(12:58):
gets done, and this needs to get done. Obamacare is
an abomination. Trump Care has the potential to change everything
for the better.
Speaker 1 (13:08):
Donald Trump's America.
Speaker 6 (13:09):
Saudi Arabia was named a major non NATO ally of
the United States during a two day visit by the
country's Crown Prince Mohammed Vin Solman, who also signed a
major defense partnership pact with President Trump.
Speaker 7 (13:21):
That happens seldom, very seldom, if at all. So I
just want to congratulate you, and that's a sign of trust.
Speaker 6 (13:30):
The President is signing off in the sale of new
generation F thirty five jets for Saudi Arabia.
Speaker 7 (13:35):
The partnership between our two nations is among the most
consequential in the entire world, and together the Ground Prince
and I are making an alliance stronger and more powerful
than it's ever been before.
Speaker 6 (13:47):
Saudi Arabia's Crown Prince is pledging at least a trillion
dollars worth of investments in the US, and the two
nations are partnering to build a nuclear power infrastructure in
Saudi Arabia. Long term, President Trump is pushing for Saudi
Ira to join the Abraham Accords, formalizing ties with Israel
at the White House.
Speaker 1 (14:05):
Halbern, Fox News
Welcome to the Brian Mud Show and thank you for listening.
It's time for today's top three takeaways. Helpful, useful, repeatable.
Speaker 2 (00:11):
Yeah, that's what could change everything. It could change absolutely
everything in a very positive way.
Speaker 1 (00:17):
What is it?
Speaker 2 (00:19):
It's Trump here, It's Trump here, something that was pumped
to talk to Senator Rick Scott about yesterday because it
is being drawn up the way that I hoped it
would be. If, by the way, you missed that interview,
you can check it out the Brian Mudshow podcast and
really good stuff there, and we're going to dive into
some of that and what it means to the applications here.
Speaker 1 (00:40):
First, you did last night?
Speaker 2 (00:43):
Have the President signed the Epstein Files Act in to law?
Speaker 1 (00:47):
Fox's christ and Goodwin.
Speaker 3 (00:50):
President Trump taking to truth Social Wednesday night to reveal
he signed the Epstein Files Transparency Act into law. The
measure compels the Justice Department to make all unclassified information
files related to late sex offender Jeffrey Epstein publicly available
in a searchable and downloadable format within thirty days, but
it has exceptions for certain sensitive material, including Epstein survivor's
(01:11):
personal information.
Speaker 2 (01:12):
Yeah, so we will wait and see what will be there.
Thirty days for all that to come out, and if
you want a lot of detail on it, I covered
that extensively and yesterday show is something else you can
get in the podcast or the Brian Mudship blog. Let
me dive in on my top takeaway today. The fix
has been in. The fix it has been in, and
(01:34):
the fix has been in on healthcare. You can make
a case it's been a lot longer than this, but
the actual fix since March twenty third to twenty ten,
because that was like the final nail nail in the coffin.
That is the day that Barack Obama signed into law
the ACA, and along with it all the lives.
Speaker 1 (01:54):
It was not true, right.
Speaker 2 (01:55):
It was not true that the law would make healthcare
affordable been noneth thee less affordable ever since. It was
not true that if you liked your existing health insurance plan.
Speaker 1 (02:07):
You could keep it.
Speaker 2 (02:08):
As I detailed last week, over four million Americans were
kicked off of their preferred health insurance plan because it
didn't meet the Obama gay requirements. Including listener that submitted
to Q and I, it wasn't true that if you
liked your doctor you necessarily would be able to keep
them either now, Well, what's true was that one of
(02:28):
the greatest corporate welfare projects in American history, if not
the largest, was set into motion, and along with it,
I guarantee that you would have less health care affordability.
And that's because the not Affordable Care Act took the
single greatest obstacle to affordable healthcare, which is health insurance,
and mandated it. The greatest lie that's been perpetuated ever
(02:52):
since is that, well, health insurance equals healthcare. I have
always wanted, you know, and you'll hear me say this sometimes.
I'm not a violent person at all, but it makes
me want to throw things when I hear people, and
it's almost always politicians because everybody else pretty much knows
that health insurance does not mean health care.
Speaker 1 (03:09):
But when people.
Speaker 2 (03:12):
Will talk about health insurance as though it's healthcare, I
just want to scream and throw things. Is utter bs.
The fact of the matter is that for the average American,
the average family, they can't afford actual health care because
of the staggeringly high cost of just paying for health insurance.
(03:34):
It's true with employee sponsored plans, especially true of exchange
based on Obamacare plans too. We recently had a six
week partial government shut down, the longest in history. Why Well,
because Democrats claim that there'd be a healthcare crisis if
(03:54):
COVID Era, a Obamacare tax credits that propped up the
Unaffordable CARECT plans were not extended. So in voting no
for the continuing Resolution and the partial government shutdown sent
a minority leader Chuck Schumer said, this healthcare crisis is
so severe, so urgent, so devastating for families back home,
that I cannot in good faith support this. Okay, So
(04:15):
what is this healthcare crisis he's speaking of. It's Abomacare,
something he personally voted to create, something that was pitched
as the Affordable Care Act. It has been such a
failure by the way of what it was sold to
be that unless ninety two percent of the costs are
paid for by people who don't use those plans, and
(04:39):
that's a crisis, which means that on top of it
is I've also illustrated previously, if you're not one of
the twenty one million people on an exchange based plan,
you get the joy of pay for your own health insurance,
your own health care that you actually need. And then
also the Obamacare subsidies. Lucky person, you. The only winners
(05:07):
in this have been the healthcare insurance that's it, and
then some around the periphery have been able to exploit
the situation and taxpayers. And so it leads to me
to my second takeaway on what needs to be fixed.
I talked about my conversation with Senator Scott yesterday that
came off of what he said he was working on
starting Sunday when he told Fox News this.
Speaker 4 (05:28):
You give money directly to the consumer. They buy the
insurance plan, they want you protect pre existent condition, and
you give them information. They should know what everything costs,
they should know what the outcomes are.
Speaker 1 (05:41):
Yeah.
Speaker 2 (05:41):
So, as I've consistently said for decades, the key to
solving healthcare affordability is consumer price transparency. We're really good
at this stuff. We're really good at finding good deals,
at shopping around, at figuring out what's best for us
when we have a clue, when we actually have a
(06:04):
chance to do so. The single biggest obstacle to price
transparency is what it's 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. You know,
I always say you need an oil change, you take
(06:26):
it to your mechanic or where you go to get
your oil. You don't file an insurance plan for it.
You know you have a door hinge that comes loose.
Either go get a new door hinge and you put
it in yourself, or you get a hand a man
to do it. You don't file a property insurance clan.
Speaker 1 (06:45):
It's nuts, no matter what it is.
Speaker 2 (06:47):
We can't do anything without the health insurance plan. And
then we don't even know what anything costs. Nuts as nuts, backcraft,
crazy nuts. Health insurance should be like every other insurance.
It should be there as a backstop, a backstop, not
(07:11):
what everything gets funneled through. And if we use that model,
we would not only know what stuff actually costs before
we've signed a piece of paper saying yeah, no clue
what's going to happen with this healthcare service provider. No
clue how much it's going to cost, No clue how
much my health insurance company is going to pay.
Speaker 1 (07:30):
But whatever's left, man, I got that. I'm signing right
here on the dot A line says I do it. Nuts.
We are ever compelled to do it.
Speaker 2 (07:37):
I actually think it's unconscionable, frankly, that we were ever
put in this position that is like the epitome of
stealing from people. Force compel people to get health care,
to have to sign a piece of paper that says
you're going to pay whatever it is, no matter what
it is, and you don't know up front, And as
(07:59):
I have illustrate, if we use this model, we could
lower the total cost of health care by greater than
seventy percent, or if you take a look at just
using the catastrophic insurance model based upon how far you
want to go with that insurance, anywhere thirty to sixty
percent savings. The average American only spent fifteen hundred and
(08:23):
fourteen dollars on actual health care needs over the prior years,
but the average cost for the average health insurance plan
was about fifty nine hundred dollars last year. So the
difference over forty two hundred win ware to the health
insurance companies with occasional extra bloat within the health care
(08:45):
service industry. It's for this reason that the best answer
for a path forward is what trump Care, not extended
Obamacare subsidies one and a half thousand dollars for healthcare
per person per year.
Speaker 1 (08:58):
That is very affordable.
Speaker 2 (09:00):
Almost six grand for health insurance before you even receive
or pay for any actual healthcare is what's unaffordable here,
which leads me to my third takeaway today.
Speaker 1 (09:10):
What's being fixed President Trump on Sunday.
Speaker 5 (09:13):
They can put it in a health account. We can
do it a lot of different ways. But they'd buy
their own health insurance. They can negotiate price, and it's
going to be locked. So they can't go out and
buy a Cadillac.
Speaker 2 (09:26):
Yeah, no Cadillacts, just maybe some Ford focuses.
Speaker 1 (09:32):
We'll see now.
Speaker 2 (09:33):
So it has to be used on how you in
a couple things about this. So Senator Rick Scott what
he's working on right now, what we talked about yesterday.
He's authoring the Trump Care Bill, aimed at fixing the
failures of the Affordable Care Act and really what we've
been in as a society long before that. President Trump
(09:54):
recently posted the only healthcare I will support or approve
is sending the money directly back to the people. Nothing
going to the big, fat rich insurance companies who have
made trillions and ripped off America long enough, the people
will be allowed to negotiate and buy their own much
better insurance. Power to the people, Congress, do not waste
your time and energy on anything else. This is the
(10:16):
only way to have great health care in America. Get
it done now, and that's exactly what's being drawn up
by Senator Scott right now. So in talking with him
about the Trump Care proposal, he said two things that
are going to be key and truly fixing healthcare's affordability crisis.
The first is that the legislation will call for money
(10:38):
that previously been used for RAZA subsidies to instead be
given in the form of health savings accounts that then
could be used for health care services you need. Buying
health insurance with it would no longer be mandatory. That's
also key. You can buy the kind of insurance at
the level you want, and even in the event health
(10:58):
insurance is purchased, it could be for a plan that
is customized for you. This would result in consumer choice
and healthcare significantly, improve price transparency, and likely lead to
a change in philosophy generally. Senator Scott indicated that he
thought that the healthcare first model, as opposed to the
(11:19):
health insurance first model would likely result in the rest
of society following the lead. And that's where it becomes huge.
Beyond the twenty one million on ACA plans and everybody
else who pays for them, what would that mean?
Speaker 1 (11:33):
Well, consider this.
Speaker 2 (11:34):
In twenty twenty five, the average employer is paying seventy
eight hundred dollars toward towards an employee's health insurance plan.
The total that jumps to over twenty thousand dollars for
the average family plan. So imagine if, rather than somewhere
from seventy eight hundred to twenty thousand plus dollars being
(11:54):
paid directly to insurance companies, that money were just to
flow into your health savings account instead. How would that
work out for you? You be better off or worse
for that situation, and then you figure out what's best
for you and your family. And by the way, that's
also an addition to the greater than fifteen hundred dollars
(12:15):
the average employee paid toward their employer sponsored plan, or
be greater than sixty eight hundred dollars that's paid by
employees for their family plan that's employers sponsored. So would
you rather choose to use how all of that money
works best for you and your family and your health
care needs. How much savings do you think you likely
(12:36):
would be able to find? So what we're talking about
would be truly transformational in solving the actual health care
affordability crisis in this country. The legislation is still being written.
It's important that the final product equals the explanation. But
if it does, and it sounds like it does. And
I've known Senator Scott for a long time and I've
known him to be a man of his word, this
(12:58):
gets done, and this needs to get done. Obamacare is
an abomination. Trump Care has the potential to change everything
for the better.
Speaker 1 (13:08):
Donald Trump's America.
Speaker 6 (13:09):
Saudi Arabia was named a major non NATO ally of
the United States during a two day visit by the
country's Crown Prince Mohammed Vin Solman, who also signed a
major defense partnership pact with President Trump.
Speaker 7 (13:21):
That happens seldom, very seldom, if at all. So I
just want to congratulate you, and that's a sign of trust.
Speaker 6 (13:30):
The President is signing off in the sale of new
generation F thirty five jets for Saudi Arabia.
Speaker 7 (13:35):
The partnership between our two nations is among the most
consequential in the entire world, and together the Ground Prince
and I are making an alliance stronger and more powerful
than it's ever been before.
Speaker 6 (13:47):
Saudi Arabia's Crown Prince is pledging at least a trillion
dollars worth of investments in the US, and the two
nations are partnering to build a nuclear power infrastructure in
Saudi Arabia. Long term, President Trump is pushing for Saudi
Ira to join the Abraham Accords, formalizing ties with Israel
at the White House.
Speaker 1 (14:05):
Halbern, Fox News
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