November 11, 2025 • 27 mins
Buck Sexton sits down with journalist and Substack's “Unreported Truths” author Alex Berenson to expose the chaos of the U.S. healthcare system, from endless Obamacare subsidies to why insurance companies and hospitals profit while patients wait hours and get billed thousands.
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Speaker 1 (00:11):
You're listening to the Buck Sexton Show podcast, make sure
you subscribe to the podcast on the iHeartRadio app or
wherever you get your podcasts.
Speaker 2 (00:20):
Back by popular demand. Alex Parents in Everybody, the man himself,
some people are saying unreported truths on substack. The best
substack also author and a man who told the important
truths during COVID and still telling important truths, including when
his own audience is going to yell at him. But
I'll let him explain that to you some other time,
mister Barrett said, good to have you on.
Speaker 1 (00:42):
Is there anyone who doesn't say unreported truths? Is not
the best substack? Because I want to find that. No.
Speaker 2 (00:47):
I think. I think, especially anything you say in Trump
voice is inherently true and inarguable. So I feel like
it has been blessed. It has been blessed from on high.
Now let's start. Let's start with this one Democrats. As
you and I speak here, we're heading into the end
of this longest government shutdown ever. And what we've been
told is that this one the Democrats could stand for
(01:08):
everyone to have healthcare. But to me, it's Hey, everybody,
maybe pay attention to the fact that Democrats have ruined,
ruined healthcare more so than I think anyone even recognized
until they started looking at the numbers.
Speaker 1 (01:23):
Yeah, I think you're right. So you know, they were
gonna they were not going to back off until they
got you know, umpteen billion dollars more in subsidies for Obamacare,
you know, for people, by the way, who are making
up in some case to one hundred and fifty thousand
dollars a year. So not even middle class people, really
upper middle class people, because you know, you may maybe
(01:45):
if you were, you know, a Democratic politician in San Francisco,
you don't realize that one hundred fifty thousand dollars actually
a lot of money for most of the country. Yeah,
and so and so, you know, the Democrats want to
shovel billions and and billions of dollars in subsidies indefinitely
for Obamacare for this care that you know isn't doesn't
(02:06):
seem to be particularly good, the coverage doesn't seem to
be p good, and it's hard to see who's really
getting rich off that accept insurance companies. And so you know,
I mean, I think you know, President Trump a couple
of days ago, is there through this bomb out where
he said, well, let's just eliminate Obamacare, eliminate the subsidies,
and we'll give the money directly to people who are
(02:29):
you know, now insuring through these exchanges and they can
figure out what to do with it themselves. And yeah,
the Democrats don't want people really thinking about that.
Speaker 2 (02:39):
It's amazing to me that we have. We have normalized,
which is a good term that I feel like we've
taken from a left but I'm gonna keep using it.
We have normalized. Oh, I think that I have, you know,
strep throat, like the most kind of standard. I need
to go to a doctor to get antibiotics, so I
need to go make an appointment where they're going to
(03:00):
ask for my insurance card and run my insurance and
get into this whole thing of whether I'm in network
or out of network and what is acceptable. I tell people,
even when you're I can't even understand my healthcare bills
right now, and I'm a pretty healthy guy. I don't
have a lot of healthcare bills, but I just had
a baby, so we had a lot of hospital stuff.
Even when you're in network, they do this thing where
(03:21):
they say, well, yeah, you're in network, but they charge this,
and so you're you're only allowed to charge that, so
you're stuck with the difference. I'm like, so, then what's
the point of the net? The whole thing is just
like a three card money you know on the street
they used to do that. It's it's complete horse hockey.
It's nonsense horse hockey.
Speaker 1 (03:40):
Watch your mouth, watch your mouth. So so yeah, I mean, listen,
I've gotten a lot of emails and you know, notes
on Twitter because I've been making a noise about this
in the last few days. But it is absolutely true.
Think about think about what insurance should really before. Okay,
if you have a car, you don't you don't have
(04:02):
your insurance to get your oil changed. Okay, you don't
have your insurance even for a minor ding or getting
your tires or parent even in churance. If there's an
accident where you need a new car or that you
need you know, you need liability because you hit somebody
or somebody hit you, and it's complicated and difficult and
you're you're not expecting that to happen. You're not wanting
that to happen. Okay, So so health insurance, I mean,
(04:25):
I think it should be more like that, all right.
And the other thing is we've somehow and this is
you know, I'm gonna say this out loud, even though
even though you know, I think saying it out loud
it may hit people hard for the first time hearing it.
But when you think about it actually makes sense. We
don't expect everyone to get exactly the same car. Okay,
we don't expect everyone to have exactly the same house.
(04:48):
But but we have this idea that Democrats have said,
now there is as there's a right to healthcare right,
and it is a right that is essentially divorced from
any ability to pay, from any choices you've made in
your life, from any choices you know you might make
going forward. About Let's say you had a million dollars
in the bank, okay, and there was no health in
(05:09):
your and you had a terminal diagnosis. You might say,
you know what, I'm going to spend two hundred thousand
dollars in that. But I'm not willing to spend the
whole million on myself because when I look, it actually
looks like I maybe get a couple months of extra life,
you know, with this expensive cancer drug, And I don't
want to do that. I want to give the eight
hundred thousand dollars to my kids or my grandkids. We don't.
(05:32):
I mean, that is a decision we expect people to
make in every other part of their lives, But when
it comes to healthcare, somehow there's this magic idea that
no matter what you do, you should have unlimited coverage
for everything for the rest of your life. And we're
going to figure out how to make that happen. And
I mean, I do think like if that's where we
(05:54):
are as a society, and it may be, then that's
where we are, but we need to sort of say
explicitly that healthcare is not like any other product in
that case, and then maybe the answer is, I don't know,
maybe the answer is that we have a single payer
and everybody.
Speaker 2 (06:08):
Gets covered on There's an important there's an important correlator
what you're saying, which is that instead of the market
and individuals making these determinations, there is only so much care.
There are only so many doctors, there are only so
many hospitals, there are only so many experimental cancer experimental
cancer drugs out there, and so all you're doing is
empowering a massive and unaccountable bureaucracy to distribute, to redistribute
(06:34):
the actual health care, not health insurance, but health care
that exists as it sees fit, instead of allowing at
least the localization, the skin in the game, the efficiencies
of people being able to make choices and then live
with those choices.
Speaker 1 (06:52):
That's right. I mean that's also true. No, we've pretended
that there is no upper limit. And by the way,
Republicans definitely do that too, right, So.
Speaker 2 (07:00):
It is true. It's very frustrating republic Republicans are very
cowardly on this issue as well. They won't speak the
truth the truth.
Speaker 1 (07:08):
But one more about this, and I think it's really important.
So you you mentioned you know, you you framed it.
As you go in, you present this card, and then
everything's paid for. I think that so in the United States,
we are over medicated, we are overdiagnosed, we are over disease, okay,
and there's all these diseases that are sort of you know,
whether it's fibromyalgia or uh or.
Speaker 2 (07:32):
You know, uh do you see all these things about
about how eeveryon's supposed to cleanse. Now, I don't mean
like a juice cleanse. I mean detox and get all
the heavy metals out of your I've seen these different things, relation.
Speaker 1 (07:43):
Therapy, long COVID, all this stuff. Okay, one of the
reasons that this has happened is because we have a
system where being sick gets you more stuff that you
don't have to pay forever. And there's going to be
a group of people to whom that's attractive. They're gonna
want to go into the doctor and say, I, you know,
(08:05):
I don't feel very good. It's a place where if
you have other problems you can be treated suddenly, you know,
with with dignity, with respect, with your voice being listened to,
and it's all on somebody else's dime. So we I mean,
I truly believe that the United States is making itself
(08:25):
sicker with this sort of medical medicalization of life, and
because because then you wind up with a prescription on
the other side of that, and you take those pills
and maybe they help the thing that they were supposed
to help, or maybe they don't, but they have side
effects too. So I think if we were all in
a position where going in costs you a hundred bucks
(08:46):
and you could decide whether or not that was worth
it to you, just like you decide whether or not
you're going to have the hot dog or the hamburg
or the steak based on the cost at the grocery store.
It might make things better, honestly for all of us.
Speaker 2 (09:01):
My example to give on this is I remember years ago,
I had, like, you know, a terrible like some kind
of stomach bug, and all I wanted as an IV
because you know, I needed some rehydration fluids. And that's
basically what they do in a lot of cases for you.
If you have a really bad you go to the hospital.
You know, you go to the hospital and a IV.
And I didn't know about these people that come to
your house. Anyway, Long story short, I go to the
emergency room because I'm so sick and so weak, and
(09:24):
I'm sitting there and waiting and waiting, and by I
realized I'm gonna wait here for so many hours that
it's actually not worth it to me anymore to be
here for I just go home and try to chug
like pedalight or gatorade or whatever. Because I waited like
three hours, I got a bill for one thousand dollars. Yeah,
I didn't anyone, I didn't see it. I didn't see
a doctor. I didn't get help. I had a nurse
(09:48):
come out to me in the waiting area to take
my blood pressure. She put a blood pressure cuff on
my arm. They you know, they had me fill out
a form and then she said, we'll be with you
three hours later. I'm sitting there. I'm like running to
the bathroom. It's misery. Nothing one thousand dollars bill in
the mail, and I sit here and I'm just like,
(10:08):
how does anyone think? And but if I was some
illegal by the way, there's no there's no bill. I
pay the bill for the illegals. That's the whole point.
I'm paying the bill. I don't actually get to get
seen by anybody. I could sit there in misery and like,
you know, hope I don't vomit all over everybody. And
I pay so that other people don't have to pay.
That's actually the system we have.
Speaker 1 (10:29):
Yeah, it's it's crazy. It's crazy. And and by the way,
at the top of that hospital company, whether it's nonprofit
or for profit, there's somebody making five million dollars a year, right,
So so you know, the hospitals are are they are
terrible actors in all of this, and people are not
willing to say that either because they're sort of politically powerful,
(10:49):
you know, because you know, in New York there's a
I mean, New York's a huge metro area, right, there's
a handful of big, nonprofit quote unquote hospital chains here.
I'm sure that's true. In fact, I know it's true
in South Florida. It's it's increasingly true everywhere. And that's
just a game to squeeze the insurance companies. Not that
I'm saying the insurance companies are greatt that they're all terrible.
(11:10):
And you know, the whole system has fed off our
unwillingness to say no for fifty years now. And I
don't know how it ends, but I do think this
fight over Obamacare, and this unwillingness to subsidize people making
one hundred and fifty thousand dollars a year because they,
you know, supposedly cannot afford their insurance, that shows you
(11:34):
how screwed up it has become.
Speaker 2 (11:36):
Well, think about this, the policies I saw this, the
policies for some people, like Family of four policies without
the subsidies that the Democrats were demanding. For the shutdown,
We're going to be forty fifty thousand dollars a year.
That's yep, yeah, that's And keep in mind you may
not go see a doctor once that year. I mean,
you know, maybe the parents or maybe the kids get
(11:57):
a sniffle or two. That family four you were giving
fifty grand for. By the way, I'll just note this.
You know, I live in South Florida. A lot of
people are just I think they call it going bear.
I believe that is the term about about home insurance.
I'm always like, am I allowed to say that? Yeah?
But you know they're going bare because they they're just like, look,
I'm not going to pay thirty thousand dollars a year
(12:19):
for hurricane insurance. I'd rather just sort of see what
happens and if I have to, you know, bite the bullets,
so to speak, I'll bite the bullet. You can't. You're
not even allowed to do that with health care though.
That's the thing, like you have no option now, that's right.
Speaker 1 (12:32):
And by the way, you have a lot more control
over your personal health than you do over with that
insurance hits or that hurricanes South Florida. I'm not selling
you have perfect control. You can get cancer at forty
five or whatever. But for the most part, I mean again,
like if we so I said, single pair, right, the
opposite would be a system where everybody's required to have
some kind of base catastrophic insurance and you know, and
(12:55):
for poorer people, we'd offer like a real subsidy for that.
But beyond that everything is sort of posted price and
you decide on your own. And you know, I mean,
they that system, I would I think it'd be a
lot cheaper.
Speaker 2 (13:10):
I would, I would say to people if I were
like emperor of the universe, which would make everyone's life better.
But that's another conversation. I'd say, we got to come
up with something where you know, five or ten percent
of your income up to one hundred and fifty grand,
and then tear it beyond that, you know, you set
aside for a like health expenditures. I don't know, you know,
people have to actually be involved in this or else.
To your point, it just turns into everyone thinks everyone
(13:33):
else is paying for their endless layers of bloat, waste
and nonsense, and people end up waiting, you know, for
six hours with like a screwdriver stuck in their shoulder
because they can't get seen in an emergency room, because
do you know what the numbers in New York seity,
This is a real number. Thirty percent of er visits
in twenty twenty four were illegal immigrants getting routine care,
(13:55):
not emergency care. Routine thirty percent. So so when people
say I feel like the emergencrooms are clocked, yeah, because
people are going in there to get you know, this matter,
to get this and they can't be turned around anyway.
It's a total mess. But let's fix the housing system.
We come back here in a second, and fifty year mortgages, Alex,
we're gonna talk fifty year mortgages. That was a big
thing of the weekend. But to my fellow history nerds,
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Hillsdale dot edu slash buck. All right, housing fifty year
fifty year mortgages we're talking about now. There is a
(15:00):
housing problem in this country, but I feel like no
one is really honing in effectively on the problem or
on the What do you see, if you had to
tier the fifty year mortage is not going to solve it, Okay,
if you had well, actually, for first, give me your
rant on the fifty year mortgage idea. I'm curious what
you think we thought?
Speaker 1 (15:20):
This is just like this is just stupid, right, I
mean they do something like this in Japan. All right,
The problem, the problem, Look, lots of problems in housing, right,
But if you are if you have a thirty year, okay,
if you chose to get a thirty year, particularly with
the rates a little bit higher as they are now,
your first few years you're just paying off interest. Basically
you're paying down very little principle. So if you you know,
(15:42):
if that house goes up twenty percent. Let's say over
a seven year period, it goes up a little bit,
and you turn around and sell it. By the time
you're done paying the real estate agent and paying the
mortgage tax or whatever other stuff you got to pay
and moving, you're going to discover that you really haven't
made that much money on that thing because so little
of your payments have gone to the house. It has
(16:05):
to be a very low interest rate environment, or or
better a shorter term mortgage where you're hanging off more
of the principle every month. That's how housing becomes a
real store of wealth for people. So what we're seeing
with housing, and I mean it's twofold, right. First of all,
we were we used to build more like two million
homes a year, right, and it posts the two thousand
(16:26):
and eight financial crisis, we've been building more like a million.
Maybe it's gone back up to a million and a half.
We need to get back to building two million a year.
And you know, in the Blue States, it's very hard
to build. So again, I live in New York and
one thing that I have seen recently is there have
been some apartment buildings going up near the Hudson River
by the trains in Westchester County, which is nice to see.
(16:47):
It's nice to see that you can actually change the
rules a little bit, even in New York and get
some multi family, nice looking apartments builds. We need more
of that everywhere. We need it. In Blue states, Red states.
It's you know, historically easier to build, but I think
some of the codes have gotten tougher, and they really
should look at that and see, you know, do you
need an eighteen foot wide staircase in a one bedroom
(17:10):
or one, you know, a three unit condominium or whatever
it is they're doing this driving up costs. And the
other thing is, you know, whatever they did to discourage
the banks from making home building loans. You know, obviously
we don't want it to be two thousand and eight again,
but it seems like we've gone too far the other way.
So I'm a big believer that this is something that
(17:31):
we can actually fix in a meaningful way by encouraging building.
And there's one other thing, and this is a problem,
and I don't and I've sort of become increasingly convinced
it's the problem. Not sure what the answer is, but
you have this situation where you have because us residential
real estate is a you know, it's a it's considered
a very safe investment. It's a good market. And the
(17:52):
long term, you have all these Wall Street, you know,
private equity firms, not so much the banks, but the
private aquity guys coming in and buying residential real estate,
and that actually might be a problem long run because
it does make it look if you own a house,
it's good for you. You're you're You've got a new
competitor that are in there to buy. I might push
up the value of your us. But if you're on
(18:13):
the bottom trying to get in on the bottom rung,
you are now competing with you know, Blackstone, and that
that's kind of unfair. So I don't know what we
do about that, because I feel like, you know, if
you just ban these people from buying, maybe they'll use
shadow purchasers. Maybe it gets complicated, but we need to
think about giving individuals a leg up for their own
(18:35):
primary homes. I'm not talking about a second home. I'm
talking about if this is going to be my house
that I live in.
Speaker 2 (18:40):
Yeah, this is my my concern with a lot of
those a lot of things that come to mind, but
one issue from a political perspective, is a lot of
a lot of what I would consider the class warfare
chirping that you will hear out there is just nonsense, right,
It's just emotionalism. It's so funny. Bill Gates has basically
it's been like, yeah, I guess like climate change isn't
(19:02):
an existential crisis. I've just gone through almost two decades
of my life. People looking at me like I'm insane
because I'm not worried about climate change. I mean, you
know anyway there, but there are all these things you
hear people talk about and and on the on the
class warfare side of think Bernie Sanders, like millionaires and
billionaires as if they're all right wing, as if you know,
he's not flying private and as if there aren't huge
(19:23):
donors the Democrat Party for also millionaires and billionaires. Like
it's just it's just manipulating people's emotions, right, That's how
at least that's how I see a lot of the
class warfare stuff. But when you have the amount of
money you need to qualify for a mortgage for a
single family home in America in a five year period
(19:46):
give or take doubled, so you have to make one
hundred percent more money to afford the home that you
would have been able to afford because of fiscal policy,
because of spending, because of government decisions, including during COVID
of course, to just pump all this money into the
economy and inflate everybody's assets. I do understand, you know,
(20:07):
this is where we get into the Mamdani thing a
little bit. His solution are wrong, but the diagnosis of
the problem, it is a real problem, which for Democrats
is unusual. I find they diagnose a lot of fake problems.
But this is a real problem.
Speaker 1 (20:19):
It is by the way, climate change thing actually fits
in here too, because I think less in Florida, but
in New York they're trying to push out any like
gas fired stoves, stuff that is crazy and will make
an is already affecting the cost of construction, and will
do more of that in the future. So getting rid
of that would be a positive too. But yeah, we
(20:40):
I mean, look, I mean there's this there's this thing
that that Peter Teal wrote a few years ago that's
gotten attention, right basically saying, yes, it's easy and fun
to sort of paint all these twenty five year olds
and thirty year olds as just you know, Champagne socialists.
But and there's some of that going on, but some
of it is driven by real fear that you know,
(21:03):
they're never going to be able to buy a house,
and you know, how do you how do you start
a family? How do you feel connected to a community.
There's reasons why primary residential you know, home ownership is
important and we should encourage it.
Speaker 2 (21:16):
Yeah, No, roots in the community is a is a
real thing. It's not something that people should dismiss as
some part of like a bygone era. That people feel
connected to where they live, the other people around them.
And something else that I think is is a challenge
here is you have a lot of you have all
these people, for example, who will point out how you
(21:37):
can build you know, how you can build wealth or
you can build these things. Yeah, but if you can't
build it until you're fifty or sixty, family formation is
really supposed to happen. And this could get us in
a lot of trouble here, Alex. But if you really
happen in your twenties biologically, that's actually just the truth.
It's just an I didn't do it till later.
Speaker 1 (21:57):
I agree, man, I agree with that.
Speaker 2 (21:59):
Yeah, me too. It's it's it's a young it's supposed
to be a young man and young woman's game, to
be very clear, and what we have set up as
a society where you just basically work yourself like a
like a madman or mad woman until you're like thirty five,
and then maybe maybe you have enough assets in whatever
your field is, whatever your work is, you've saved enough
money that maybe you can consider buying a home and
(22:22):
maybe you can consider having This is a big problem.
This is not the way it's actually supposed to be.
Speaker 1 (22:28):
Or you don't work like a man man and you
sit in your basement vaping and playing magic the gathering
and like some of those people crack, right, And even
though they don't crack, is that what they really wanted
from their lives? Is that what we hope as a
society to, you know, to set up their lives as
being I don't think.
Speaker 2 (22:45):
So I need to also have you come on at
some point just to tell everybody. I rarely will admit
that I actually I'm gonna admit that I was wrong
on something, but I'm gonna wait till we come back,
because I got to hear our sponsor's Paradigm Press my Friends,
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(23:06):
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twenty five dot com paid for by Paradigm Pressed. All right, Alex,
what I was gonna say I was wrong about I
might have said this year before. I actually believed a
lot of the big Weed propaganda that like, it's not
a big deal, people choice everybody else. And now I
view it as both a public menace in terms of
just equality of life menace everywhere it smells everywhere people
(23:52):
or don't care that you know, kids are around, they
don't care. And then also the more I look into this,
and I've seen some of of your work on this,
it is civilization undermining and how bad it is actually
for people and I need everyone to stop telling me, like,
what about this famous person who's really rich who smokes weed.
I was gonna be like, well, they're an ex They're
an exception in a whole range of things, and maybe
(24:12):
they'd be a lot happier if they weren't smoking weed.
Speaker 1 (24:14):
Right. And by the way, the fact that Mike Tyson's
most a lot of weed, doesn't you know, that does
not convince me it's good for you.
Speaker 2 (24:20):
Yeah, I think that's fair. I see people really want
and there's a one thing I see here in Florida,
big weed is a thing. There's as they call the
cannabis industry. They throw a lot of money around to people,
and people get that money, including in politics. I think
very surprising at some of the names you'll see.
Speaker 1 (24:42):
Yep, no, I listen, the Desantisies have held strong on that,
and that's I'm happy for that. But yeah, it's I mean,
you know, right now they're debating this basically, the United
States without meaning to fully legalized cannabis in twenty eighteen
with this Hemp bill, right, So I don't want to
get into the nuances of it, but by and large,
(25:04):
you can now buy THHC gummies even in states that
where there's not legal cannabi us and buy THHC drinks,
you know, even by a big alcohol retailer like Total Wine,
which I know is a big, you know player nationally.
They're stocking this stuff everywhere and that's legal because of
this loophole that the federal government created. And it looks
(25:25):
like Mitch McConnell sort of is maybe his last big
act in the Senate is going to be to close
that loophole, which I think is a good thing. Whatever
you believe about cannabis, and you know, even if you think, hey,
it's great, it should be legal everywhere. The process for
legalization should not be that we accidentally did it, you know,
with a bill in twenty eighteen that enabled to serve
(25:47):
a bunch of smart chemists and lawyers to figure out
a loophole so that you know, convenience stores and Circle
K can sell gummies. That's that's not what it was
supposed to be.
Speaker 2 (25:58):
I'll let you close us out here by telling everybody
what your next member. You can go subscribe to Unreported
Truths on substack. Alex is a very prolific substack creator
and all for what are you writing about next? As
I duck for cover here.
Speaker 1 (26:15):
So I'm writing about US drug policy. You know, I
have decided that I want to be the least cool
person in the world, and the way to do that
is the vociferously anti drug. So I'm like super anti drug.
The book I want to write about US drug policy
is everybody hates drugs, except for the drugs that they do,
whether that's you know, psychedelics or ketamine or you know
(26:38):
amphetamine in the form of adderall we all have some
excuse for how the drug we use is not actually
a problem, but all the other ones are. But this
piece is just about kind of US drug policy broadly
and how you know, blowing up a bunch of speedboats.
This is a part that's going to get me trouble.
Blow a bunch up up. Pulling up a bunch of
(26:58):
speedboats in the Caribbean may feel good or the Pacific,
but it doesn't actually do anything in terms of our
much bigger cultural problem around drugs. And that's what we
should be talking about.
Speaker 2 (27:09):
What about if we just want to topple Maduro's government
and uh play a little coup plotting on the side.
You know, I don't know, I.
Speaker 1 (27:16):
Thought that was not what we were supposed to be
doing anymore. I thought we were, you know, sort of
sticking a home.
Speaker 2 (27:24):
You know, we'll see, we'll see. I wonder, sometimes looks
like we're getting pretty uh pretty ready for something in
the Caribbean. But you know what, Alex, we'll have you back.
Maduro gets overthrown. Go check it out. Always fun, always
You're listening to the Buck Sexton Show podcast, make sure
you subscribe to the podcast on the iHeartRadio app or
wherever you get your podcasts.
Speaker 2 (00:20):
Back by popular demand. Alex Parents in Everybody, the man himself,
some people are saying unreported truths on substack. The best
substack also author and a man who told the important
truths during COVID and still telling important truths, including when
his own audience is going to yell at him. But
I'll let him explain that to you some other time,
mister Barrett said, good to have you on.
Speaker 1 (00:42):
Is there anyone who doesn't say unreported truths? Is not
the best substack? Because I want to find that. No.
Speaker 2 (00:47):
I think. I think, especially anything you say in Trump
voice is inherently true and inarguable. So I feel like
it has been blessed. It has been blessed from on high.
Now let's start. Let's start with this one Democrats. As
you and I speak here, we're heading into the end
of this longest government shutdown ever. And what we've been
told is that this one the Democrats could stand for
(01:08):
everyone to have healthcare. But to me, it's Hey, everybody,
maybe pay attention to the fact that Democrats have ruined,
ruined healthcare more so than I think anyone even recognized
until they started looking at the numbers.
Speaker 1 (01:23):
Yeah, I think you're right. So you know, they were
gonna they were not going to back off until they
got you know, umpteen billion dollars more in subsidies for Obamacare,
you know, for people, by the way, who are making
up in some case to one hundred and fifty thousand
dollars a year. So not even middle class people, really
upper middle class people, because you know, you may maybe
(01:45):
if you were, you know, a Democratic politician in San Francisco,
you don't realize that one hundred fifty thousand dollars actually
a lot of money for most of the country. Yeah,
and so and so, you know, the Democrats want to
shovel billions and and billions of dollars in subsidies indefinitely
for Obamacare for this care that you know isn't doesn't
(02:06):
seem to be particularly good, the coverage doesn't seem to
be p good, and it's hard to see who's really
getting rich off that accept insurance companies. And so you know,
I mean, I think you know, President Trump a couple
of days ago, is there through this bomb out where
he said, well, let's just eliminate Obamacare, eliminate the subsidies,
and we'll give the money directly to people who are
(02:29):
you know, now insuring through these exchanges and they can
figure out what to do with it themselves. And yeah,
the Democrats don't want people really thinking about that.
Speaker 2 (02:39):
It's amazing to me that we have. We have normalized,
which is a good term that I feel like we've
taken from a left but I'm gonna keep using it.
We have normalized. Oh, I think that I have, you know,
strep throat, like the most kind of standard. I need
to go to a doctor to get antibiotics, so I
need to go make an appointment where they're going to
(03:00):
ask for my insurance card and run my insurance and
get into this whole thing of whether I'm in network
or out of network and what is acceptable. I tell people,
even when you're I can't even understand my healthcare bills
right now, and I'm a pretty healthy guy. I don't
have a lot of healthcare bills, but I just had
a baby, so we had a lot of hospital stuff.
Even when you're in network, they do this thing where
(03:21):
they say, well, yeah, you're in network, but they charge this,
and so you're you're only allowed to charge that, so
you're stuck with the difference. I'm like, so, then what's
the point of the net? The whole thing is just
like a three card money you know on the street
they used to do that. It's it's complete horse hockey.
It's nonsense horse hockey.
Speaker 1 (03:40):
Watch your mouth, watch your mouth. So so yeah, I mean, listen,
I've gotten a lot of emails and you know, notes
on Twitter because I've been making a noise about this
in the last few days. But it is absolutely true.
Think about think about what insurance should really before. Okay,
if you have a car, you don't you don't have
(04:02):
your insurance to get your oil changed. Okay, you don't
have your insurance even for a minor ding or getting
your tires or parent even in churance. If there's an
accident where you need a new car or that you
need you know, you need liability because you hit somebody
or somebody hit you, and it's complicated and difficult and
you're you're not expecting that to happen. You're not wanting
that to happen. Okay, So so health insurance, I mean,
(04:25):
I think it should be more like that, all right.
And the other thing is we've somehow and this is
you know, I'm gonna say this out loud, even though
even though you know, I think saying it out loud
it may hit people hard for the first time hearing it.
But when you think about it actually makes sense. We
don't expect everyone to get exactly the same car. Okay,
we don't expect everyone to have exactly the same house.
(04:48):
But but we have this idea that Democrats have said,
now there is as there's a right to healthcare right,
and it is a right that is essentially divorced from
any ability to pay, from any choices you've made in
your life, from any choices you know you might make
going forward. About Let's say you had a million dollars
in the bank, okay, and there was no health in
(05:09):
your and you had a terminal diagnosis. You might say,
you know what, I'm going to spend two hundred thousand
dollars in that. But I'm not willing to spend the
whole million on myself because when I look, it actually
looks like I maybe get a couple months of extra life,
you know, with this expensive cancer drug, And I don't
want to do that. I want to give the eight
hundred thousand dollars to my kids or my grandkids. We don't.
(05:32):
I mean, that is a decision we expect people to
make in every other part of their lives, But when
it comes to healthcare, somehow there's this magic idea that
no matter what you do, you should have unlimited coverage
for everything for the rest of your life. And we're
going to figure out how to make that happen. And
I mean, I do think like if that's where we
(05:54):
are as a society, and it may be, then that's
where we are, but we need to sort of say
explicitly that healthcare is not like any other product in
that case, and then maybe the answer is, I don't know,
maybe the answer is that we have a single payer
and everybody.
Speaker 2 (06:08):
Gets covered on There's an important there's an important correlator
what you're saying, which is that instead of the market
and individuals making these determinations, there is only so much care.
There are only so many doctors, there are only so
many hospitals, there are only so many experimental cancer experimental
cancer drugs out there, and so all you're doing is
empowering a massive and unaccountable bureaucracy to distribute, to redistribute
(06:34):
the actual health care, not health insurance, but health care
that exists as it sees fit, instead of allowing at
least the localization, the skin in the game, the efficiencies
of people being able to make choices and then live
with those choices.
Speaker 1 (06:52):
That's right. I mean that's also true. No, we've pretended
that there is no upper limit. And by the way,
Republicans definitely do that too, right, So.
Speaker 2 (07:00):
It is true. It's very frustrating republic Republicans are very
cowardly on this issue as well. They won't speak the
truth the truth.
Speaker 1 (07:08):
But one more about this, and I think it's really important.
So you you mentioned you know, you you framed it.
As you go in, you present this card, and then
everything's paid for. I think that so in the United States,
we are over medicated, we are overdiagnosed, we are over disease, okay,
and there's all these diseases that are sort of you know,
whether it's fibromyalgia or uh or.
Speaker 2 (07:32):
You know, uh do you see all these things about
about how eeveryon's supposed to cleanse. Now, I don't mean
like a juice cleanse. I mean detox and get all
the heavy metals out of your I've seen these different things, relation.
Speaker 1 (07:43):
Therapy, long COVID, all this stuff. Okay, one of the
reasons that this has happened is because we have a
system where being sick gets you more stuff that you
don't have to pay forever. And there's going to be
a group of people to whom that's attractive. They're gonna
want to go into the doctor and say, I, you know,
(08:05):
I don't feel very good. It's a place where if
you have other problems you can be treated suddenly, you know,
with with dignity, with respect, with your voice being listened to,
and it's all on somebody else's dime. So we I mean,
I truly believe that the United States is making itself
(08:25):
sicker with this sort of medical medicalization of life, and
because because then you wind up with a prescription on
the other side of that, and you take those pills
and maybe they help the thing that they were supposed
to help, or maybe they don't, but they have side
effects too. So I think if we were all in
a position where going in costs you a hundred bucks
(08:46):
and you could decide whether or not that was worth
it to you, just like you decide whether or not
you're going to have the hot dog or the hamburg
or the steak based on the cost at the grocery store.
It might make things better, honestly for all of us.
Speaker 2 (09:01):
My example to give on this is I remember years ago,
I had, like, you know, a terrible like some kind
of stomach bug, and all I wanted as an IV
because you know, I needed some rehydration fluids. And that's
basically what they do in a lot of cases for you.
If you have a really bad you go to the hospital.
You know, you go to the hospital and a IV.
And I didn't know about these people that come to
your house. Anyway, Long story short, I go to the
emergency room because I'm so sick and so weak, and
(09:24):
I'm sitting there and waiting and waiting, and by I
realized I'm gonna wait here for so many hours that
it's actually not worth it to me anymore to be
here for I just go home and try to chug
like pedalight or gatorade or whatever. Because I waited like
three hours, I got a bill for one thousand dollars. Yeah,
I didn't anyone, I didn't see it. I didn't see
a doctor. I didn't get help. I had a nurse
(09:48):
come out to me in the waiting area to take
my blood pressure. She put a blood pressure cuff on
my arm. They you know, they had me fill out
a form and then she said, we'll be with you
three hours later. I'm sitting there. I'm like running to
the bathroom. It's misery. Nothing one thousand dollars bill in
the mail, and I sit here and I'm just like,
(10:08):
how does anyone think? And but if I was some
illegal by the way, there's no there's no bill. I
pay the bill for the illegals. That's the whole point.
I'm paying the bill. I don't actually get to get
seen by anybody. I could sit there in misery and like,
you know, hope I don't vomit all over everybody. And
I pay so that other people don't have to pay.
That's actually the system we have.
Speaker 1 (10:29):
Yeah, it's it's crazy. It's crazy. And and by the way,
at the top of that hospital company, whether it's nonprofit
or for profit, there's somebody making five million dollars a year, right,
So so you know, the hospitals are are they are
terrible actors in all of this, and people are not
willing to say that either because they're sort of politically powerful,
(10:49):
you know, because you know, in New York there's a
I mean, New York's a huge metro area, right, there's
a handful of big, nonprofit quote unquote hospital chains here.
I'm sure that's true. In fact, I know it's true
in South Florida. It's it's increasingly true everywhere. And that's
just a game to squeeze the insurance companies. Not that
I'm saying the insurance companies are greatt that they're all terrible.
(11:10):
And you know, the whole system has fed off our
unwillingness to say no for fifty years now. And I
don't know how it ends, but I do think this
fight over Obamacare, and this unwillingness to subsidize people making
one hundred and fifty thousand dollars a year because they,
you know, supposedly cannot afford their insurance, that shows you
(11:34):
how screwed up it has become.
Speaker 2 (11:36):
Well, think about this, the policies I saw this, the
policies for some people, like Family of four policies without
the subsidies that the Democrats were demanding. For the shutdown,
We're going to be forty fifty thousand dollars a year.
That's yep, yeah, that's And keep in mind you may
not go see a doctor once that year. I mean,
you know, maybe the parents or maybe the kids get
(11:57):
a sniffle or two. That family four you were giving
fifty grand for. By the way, I'll just note this.
You know, I live in South Florida. A lot of
people are just I think they call it going bear.
I believe that is the term about about home insurance.
I'm always like, am I allowed to say that? Yeah?
But you know they're going bare because they they're just like, look,
I'm not going to pay thirty thousand dollars a year
(12:19):
for hurricane insurance. I'd rather just sort of see what
happens and if I have to, you know, bite the bullets,
so to speak, I'll bite the bullet. You can't. You're
not even allowed to do that with health care though.
That's the thing, like you have no option now, that's right.
Speaker 1 (12:32):
And by the way, you have a lot more control
over your personal health than you do over with that
insurance hits or that hurricanes South Florida. I'm not selling
you have perfect control. You can get cancer at forty
five or whatever. But for the most part, I mean again,
like if we so I said, single pair, right, the
opposite would be a system where everybody's required to have
some kind of base catastrophic insurance and you know, and
(12:55):
for poorer people, we'd offer like a real subsidy for that.
But beyond that everything is sort of posted price and
you decide on your own. And you know, I mean,
they that system, I would I think it'd be a
lot cheaper.
Speaker 2 (13:10):
I would, I would say to people if I were
like emperor of the universe, which would make everyone's life better.
But that's another conversation. I'd say, we got to come
up with something where you know, five or ten percent
of your income up to one hundred and fifty grand,
and then tear it beyond that, you know, you set
aside for a like health expenditures. I don't know, you know,
people have to actually be involved in this or else.
To your point, it just turns into everyone thinks everyone
(13:33):
else is paying for their endless layers of bloat, waste
and nonsense, and people end up waiting, you know, for
six hours with like a screwdriver stuck in their shoulder
because they can't get seen in an emergency room, because
do you know what the numbers in New York seity,
This is a real number. Thirty percent of er visits
in twenty twenty four were illegal immigrants getting routine care,
(13:55):
not emergency care. Routine thirty percent. So so when people
say I feel like the emergencrooms are clocked, yeah, because
people are going in there to get you know, this matter,
to get this and they can't be turned around anyway.
It's a total mess. But let's fix the housing system.
We come back here in a second, and fifty year mortgages, Alex,
we're gonna talk fifty year mortgages. That was a big
thing of the weekend. But to my fellow history nerds,
(14:16):
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Hillsdale dot edu slash buck. All right, housing fifty year
fifty year mortgages we're talking about now. There is a
(15:00):
housing problem in this country, but I feel like no
one is really honing in effectively on the problem or
on the What do you see, if you had to
tier the fifty year mortage is not going to solve it, Okay,
if you had well, actually, for first, give me your
rant on the fifty year mortgage idea. I'm curious what
you think we thought?
Speaker 1 (15:20):
This is just like this is just stupid, right, I
mean they do something like this in Japan. All right,
The problem, the problem, Look, lots of problems in housing, right,
But if you are if you have a thirty year, okay,
if you chose to get a thirty year, particularly with
the rates a little bit higher as they are now,
your first few years you're just paying off interest. Basically
you're paying down very little principle. So if you you know,
(15:42):
if that house goes up twenty percent. Let's say over
a seven year period, it goes up a little bit,
and you turn around and sell it. By the time
you're done paying the real estate agent and paying the
mortgage tax or whatever other stuff you got to pay
and moving, you're going to discover that you really haven't
made that much money on that thing because so little
of your payments have gone to the house. It has
(16:05):
to be a very low interest rate environment, or or
better a shorter term mortgage where you're hanging off more
of the principle every month. That's how housing becomes a
real store of wealth for people. So what we're seeing
with housing, and I mean it's twofold, right. First of all,
we were we used to build more like two million
homes a year, right, and it posts the two thousand
(16:26):
and eight financial crisis, we've been building more like a million.
Maybe it's gone back up to a million and a half.
We need to get back to building two million a year.
And you know, in the Blue States, it's very hard
to build. So again, I live in New York and
one thing that I have seen recently is there have
been some apartment buildings going up near the Hudson River
by the trains in Westchester County, which is nice to see.
(16:47):
It's nice to see that you can actually change the
rules a little bit, even in New York and get
some multi family, nice looking apartments builds. We need more
of that everywhere. We need it. In Blue states, Red states.
It's you know, historically easier to build, but I think
some of the codes have gotten tougher, and they really
should look at that and see, you know, do you
need an eighteen foot wide staircase in a one bedroom
(17:10):
or one, you know, a three unit condominium or whatever
it is they're doing this driving up costs. And the
other thing is, you know, whatever they did to discourage
the banks from making home building loans. You know, obviously
we don't want it to be two thousand and eight again,
but it seems like we've gone too far the other way.
So I'm a big believer that this is something that
(17:31):
we can actually fix in a meaningful way by encouraging building.
And there's one other thing, and this is a problem,
and I don't and I've sort of become increasingly convinced
it's the problem. Not sure what the answer is, but
you have this situation where you have because us residential
real estate is a you know, it's a it's considered
a very safe investment. It's a good market. And the
(17:52):
long term, you have all these Wall Street, you know,
private equity firms, not so much the banks, but the
private aquity guys coming in and buying residential real estate,
and that actually might be a problem long run because
it does make it look if you own a house,
it's good for you. You're you're You've got a new
competitor that are in there to buy. I might push
up the value of your us. But if you're on
(18:13):
the bottom trying to get in on the bottom rung,
you are now competing with you know, Blackstone, and that
that's kind of unfair. So I don't know what we
do about that, because I feel like, you know, if
you just ban these people from buying, maybe they'll use
shadow purchasers. Maybe it gets complicated, but we need to
think about giving individuals a leg up for their own
(18:35):
primary homes. I'm not talking about a second home. I'm
talking about if this is going to be my house
that I live in.
Speaker 2 (18:40):
Yeah, this is my my concern with a lot of
those a lot of things that come to mind, but
one issue from a political perspective, is a lot of
a lot of what I would consider the class warfare
chirping that you will hear out there is just nonsense, right,
It's just emotionalism. It's so funny. Bill Gates has basically
it's been like, yeah, I guess like climate change isn't
(19:02):
an existential crisis. I've just gone through almost two decades
of my life. People looking at me like I'm insane
because I'm not worried about climate change. I mean, you
know anyway there, but there are all these things you
hear people talk about and and on the on the
class warfare side of think Bernie Sanders, like millionaires and
billionaires as if they're all right wing, as if you know,
he's not flying private and as if there aren't huge
(19:23):
donors the Democrat Party for also millionaires and billionaires. Like
it's just it's just manipulating people's emotions, right, That's how
at least that's how I see a lot of the
class warfare stuff. But when you have the amount of
money you need to qualify for a mortgage for a
single family home in America in a five year period
(19:46):
give or take doubled, so you have to make one
hundred percent more money to afford the home that you
would have been able to afford because of fiscal policy,
because of spending, because of government decisions, including during COVID
of course, to just pump all this money into the
economy and inflate everybody's assets. I do understand, you know,
(20:07):
this is where we get into the Mamdani thing a
little bit. His solution are wrong, but the diagnosis of
the problem, it is a real problem, which for Democrats
is unusual. I find they diagnose a lot of fake problems.
But this is a real problem.
Speaker 1 (20:19):
It is by the way, climate change thing actually fits
in here too, because I think less in Florida, but
in New York they're trying to push out any like
gas fired stoves, stuff that is crazy and will make
an is already affecting the cost of construction, and will
do more of that in the future. So getting rid
of that would be a positive too. But yeah, we
(20:40):
I mean, look, I mean there's this there's this thing
that that Peter Teal wrote a few years ago that's
gotten attention, right basically saying, yes, it's easy and fun
to sort of paint all these twenty five year olds
and thirty year olds as just you know, Champagne socialists.
But and there's some of that going on, but some
of it is driven by real fear that you know,
(21:03):
they're never going to be able to buy a house,
and you know, how do you how do you start
a family? How do you feel connected to a community.
There's reasons why primary residential you know, home ownership is
important and we should encourage it.
Speaker 2 (21:16):
Yeah, No, roots in the community is a is a
real thing. It's not something that people should dismiss as
some part of like a bygone era. That people feel
connected to where they live, the other people around them.
And something else that I think is is a challenge
here is you have a lot of you have all
these people, for example, who will point out how you
(21:37):
can build you know, how you can build wealth or
you can build these things. Yeah, but if you can't
build it until you're fifty or sixty, family formation is
really supposed to happen. And this could get us in
a lot of trouble here, Alex. But if you really
happen in your twenties biologically, that's actually just the truth.
It's just an I didn't do it till later.
Speaker 1 (21:57):
I agree, man, I agree with that.
Speaker 2 (21:59):
Yeah, me too. It's it's it's a young it's supposed
to be a young man and young woman's game, to
be very clear, and what we have set up as
a society where you just basically work yourself like a
like a madman or mad woman until you're like thirty five,
and then maybe maybe you have enough assets in whatever
your field is, whatever your work is, you've saved enough
money that maybe you can consider buying a home and
(22:22):
maybe you can consider having This is a big problem.
This is not the way it's actually supposed to be.
Speaker 1 (22:28):
Or you don't work like a man man and you
sit in your basement vaping and playing magic the gathering
and like some of those people crack, right, And even
though they don't crack, is that what they really wanted
from their lives? Is that what we hope as a
society to, you know, to set up their lives as
being I don't think.
Speaker 2 (22:45):
So I need to also have you come on at
some point just to tell everybody. I rarely will admit
that I actually I'm gonna admit that I was wrong
on something, but I'm gonna wait till we come back,
because I got to hear our sponsor's Paradigm Press my Friends,
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(23:06):
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(23:28):
twenty five dot com paid for by Paradigm Pressed. All right, Alex,
what I was gonna say I was wrong about I
might have said this year before. I actually believed a
lot of the big Weed propaganda that like, it's not
a big deal, people choice everybody else. And now I
view it as both a public menace in terms of
just equality of life menace everywhere it smells everywhere people
(23:52):
or don't care that you know, kids are around, they
don't care. And then also the more I look into this,
and I've seen some of of your work on this,
it is civilization undermining and how bad it is actually
for people and I need everyone to stop telling me, like,
what about this famous person who's really rich who smokes weed.
I was gonna be like, well, they're an ex They're
an exception in a whole range of things, and maybe
(24:12):
they'd be a lot happier if they weren't smoking weed.
Speaker 1 (24:14):
Right. And by the way, the fact that Mike Tyson's
most a lot of weed, doesn't you know, that does
not convince me it's good for you.
Speaker 2 (24:20):
Yeah, I think that's fair. I see people really want
and there's a one thing I see here in Florida,
big weed is a thing. There's as they call the
cannabis industry. They throw a lot of money around to people,
and people get that money, including in politics. I think
very surprising at some of the names you'll see.
Speaker 1 (24:42):
Yep, no, I listen, the Desantisies have held strong on that,
and that's I'm happy for that. But yeah, it's I mean,
you know, right now they're debating this basically, the United
States without meaning to fully legalized cannabis in twenty eighteen
with this Hemp bill, right, So I don't want to
get into the nuances of it, but by and large,
(25:04):
you can now buy THHC gummies even in states that
where there's not legal cannabi us and buy THHC drinks,
you know, even by a big alcohol retailer like Total Wine,
which I know is a big, you know player nationally.
They're stocking this stuff everywhere and that's legal because of
this loophole that the federal government created. And it looks
(25:25):
like Mitch McConnell sort of is maybe his last big
act in the Senate is going to be to close
that loophole, which I think is a good thing. Whatever
you believe about cannabis, and you know, even if you think, hey,
it's great, it should be legal everywhere. The process for
legalization should not be that we accidentally did it, you know,
with a bill in twenty eighteen that enabled to serve
(25:47):
a bunch of smart chemists and lawyers to figure out
a loophole so that you know, convenience stores and Circle
K can sell gummies. That's that's not what it was
supposed to be.
Speaker 2 (25:58):
I'll let you close us out here by telling everybody
what your next member. You can go subscribe to Unreported
Truths on substack. Alex is a very prolific substack creator
and all for what are you writing about next? As
I duck for cover here.
Speaker 1 (26:15):
So I'm writing about US drug policy. You know, I
have decided that I want to be the least cool
person in the world, and the way to do that
is the vociferously anti drug. So I'm like super anti drug.
The book I want to write about US drug policy
is everybody hates drugs, except for the drugs that they do,
whether that's you know, psychedelics or ketamine or you know
(26:38):
amphetamine in the form of adderall we all have some
excuse for how the drug we use is not actually
a problem, but all the other ones are. But this
piece is just about kind of US drug policy broadly
and how you know, blowing up a bunch of speedboats.
This is a part that's going to get me trouble.
Blow a bunch up up. Pulling up a bunch of
(26:58):
speedboats in the Caribbean may feel good or the Pacific,
but it doesn't actually do anything in terms of our
much bigger cultural problem around drugs. And that's what we
should be talking about.
Speaker 2 (27:09):
What about if we just want to topple Maduro's government
and uh play a little coup plotting on the side.
You know, I don't know, I.
Speaker 1 (27:16):
Thought that was not what we were supposed to be
doing anymore. I thought we were, you know, sort of
sticking a home.
Speaker 2 (27:24):
You know, we'll see, we'll see. I wonder, sometimes looks
like we're getting pretty uh pretty ready for something in
the Caribbean. But you know what, Alex, we'll have you back.
Maduro gets overthrown. Go check it out. Always fun, always
Host
Buck Sexton
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