November 28, 2025 • 34 mins
Guest Host Brian Mudd
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to today's edition of the Klay, Travis and Buck
Sexton Show podcast.
Speaker 2 (00:04):
The President's very much involved in these talks, and he's
very focused on unveiling a healthcare proposal that will fix
the system and will bring down costs for consumers. Oh
say it once again, mean it, Say it like you
mean it.
Speaker 1 (00:22):
Let it be true. Press Secretary Caroline, I love it.
Speaker 2 (00:25):
As she was talking about trump Care, you call it
whatever you want. Although I do think trump Care has
a good ring to it. I do think that unlike Obama,
he's like, you know, I like Obama.
Speaker 1 (00:37):
I'm Obama and I care.
Speaker 2 (00:39):
Remember we said that I'm Obama and I care, so
we embrace the whole Obamacare thing. And so it was
and still is the Obama Nation. But nevertheless, trump Care
is something you'd actually want your name on. So this
is something that should be branded accordingly.
Speaker 1 (00:58):
Hey, they're happy Thanksgiving.
Speaker 2 (01:00):
I hope you and your family your friends had a
fantastic Thanksgiving and I certainly did with my family and
friends and this entire holiday season. May God bless you
your family. Thank you for taking a little time with us.
Maybe you're doing a little Black Friday shopping. Maybe you're
doing it on aline. However you're doing it, you know
(01:20):
where you could save a heck of a lot of money,
I mean an unreal amount of money with your healthcare.
With your healthcare, you want to do some real Black
Friday shopping. Holy cal we can get trump Care pass.
Every day when it comes to healthcare will be Black Friday.
I'm going to break this thing down and explain. Bright
(01:42):
Mudd here for Clay and Buck. I host the Brian
Mudshow out of my home station w J and O
in West Palm Beach, just a few miles from marl
Laco and El Presidente where he is right now, and
also where it is seventy one in sunny right now.
I'm just saying, there's a reason why so many people
come here and stay. But you may catch me the
(02:05):
Brian mud Show podcast wherever you get your podcasts at
Brian Mudd Radio. Socially, let's talk about how trump Care
could change everything, absolutely everything.
Speaker 1 (02:18):
So the fix has been in.
Speaker 2 (02:19):
The fix on healthcare has been in since March twenty
third of twenty ten. That is the day that the
big O that Barack Obama sided into law, the ACA,
and all the lives that came along with it. Obviously
(02:41):
was not true that the law made healthcare affordable, and
for a while I was like, you know what, we
should be able to just overturn the Affordable Care Act
on legal grounds that it's false advertising. I mean that alone,
we should be able to just throw the whole dang
(03:01):
thing out, because the most certainly was not true that
if you liked if you like your doctor, you like
your health insurance plan, and oh, terrible Obama, Buck's amazing
ad impersonations.
Speaker 1 (03:12):
I'm terrible, but that's kind of some of the fun.
Speaker 2 (03:16):
If you're really good at it, that's fun. If you're
really bad at it, I guess that could be kind
of fun too. So yeah, I mean, the whole thing
about if you like your existing health insurance plan, you
and keep it, h you liked your doctor, still be
able to keep seeing him.
Speaker 1 (03:31):
Or her stuff wasn't true.
Speaker 2 (03:34):
What was true was that one of the greatest corporate
welfare projects in the American history, if not the absolute largest,
was set into emotion, and along with it, I guarantee
that you would have a heck of a lot less
health care affordability. That is, because the not Affordable Care
Act took the single greatest obstacle to affordable healthcare.
Speaker 1 (03:59):
And I'll pause there momentary.
Speaker 2 (04:01):
What is what do you believe is the single greatest
obstacle to affordable health care?
Speaker 1 (04:09):
You have your answer. It's health insurance.
Speaker 2 (04:14):
The single greatest obstacle to ever having affordable health care
is health insurance and the freaking insurance first model. So
it took the single greatest obstacle to affordable health care
(04:35):
and mandated it into existence where you literally would be
text get the text penalty if you didn't have health insurance.
How dare you not? We got to do everything through
health insurance. The greatest lie.
Speaker 1 (04:50):
That has been.
Speaker 2 (04:51):
Perpetuated every cent ever since this whole thing, going all
the way back to March to twenty ten, is that
health insurance equal healthcare. It's one of those things like
I am so not a violent person. I'm not the
kind of person who screams and throws things. I'm not
none of that. To the extent that it exists within me,
(05:14):
it comes out like when I hear health insurance equals
healthcare or some kind of incarnation, I just want to
I want to throw things because it is utter bs.
The fact of the matter is that the average American
the average family can't afford actual health care because of
(05:35):
the insanely high cost of health insurance. It's true with
employee sponsored plans. It is especially true of exchange based
Obamacare plans too. So we recently had the longest partial
government shut down in American history. Why Well, because Democrats claim, Hey,
(05:57):
we're going to have a healthcare crisis. It'll be a
healthcare crisis if COVID era Obamacare tax credits that propped
up the Unaffordable Care Act, if those weren't extended, and
voting no for the continuing Resolution to end the shutdown,
good old Chuck, as Rush would have said, you Schumer
(06:20):
said this, this healthcare crisis is so severe, so urgent,
so devastating for families back home, that I cannot in
good faith support this. Okay, So what is it that
he was talking about? What is the healthcare crisis that,
good old Chuck you had to speak back. Oh, it
(06:44):
was a Bombacare, It was Obamacare, something that he voted
to create, something that was pitched as.
Speaker 1 (06:54):
The Affordable Care Act.
Speaker 2 (06:55):
It's been such a failure done the less ninety two
percent of the costs are paid for by the people
who don't actually use those plans.
Speaker 1 (07:06):
That is a crisis.
Speaker 2 (07:08):
Okay, So to be clear, unless ninety two percent of
the cost for the Obamacare policies are.
Speaker 1 (07:17):
Paid for by the people who don't.
Speaker 2 (07:20):
Use them, I meaning all the rest of us as
federal tax paying clubs, then that is a crisis. And
that's because the fix has been in ever since the
onset of the ACA, and the only winners have been
the health insurance and those who've been able to exploit
the situation and taxpayers. And so this takes us to
what needs to be fixed. It's something I've talked about
(07:42):
my entire career. At this point is going on twenty
eight years. The key to solving healthcare affordability challenges is
what consumer price transparency? It's Black Friday. You're darn good
at finding deals, aren't you. If you know what something
cost and you know what it is you're looking for,
(08:05):
you are really good at being able to find a
good deal.
Speaker 1 (08:08):
Right.
Speaker 2 (08:11):
The biggest obstacle to price transparency is what it's the
current insurance first model.
Speaker 1 (08:19):
How insane is it?
Speaker 2 (08:21):
I mean, imagine that you were to go into a
store today, you're out doing your Black Friday shopping. You
go into a store absolutely no prices anywhere you have somebody,
You tell somebody up front, hey, these are things that
I need.
Speaker 1 (08:39):
Here's what I got going on. Here are things I need.
Speaker 2 (08:41):
And they go ahead and they take a cart from you,
and they'll they take you along with the cart. But
then they just start putting stuff in that cart. And
then you get to the checkout, that full cart, and
they say, okay, go ahead and hand over your credit
card now, and you're looking at them wondering if you
(09:04):
needed everything that was in your cart, and you have
a question or two about what stuff costs?
Speaker 1 (09:12):
Are you going to hand over that car and know? Okay?
Speaker 2 (09:14):
And then when they run it, they say, oh, and
by the way, yeah, maybe two three months from now,
we're going to tell you how much you're actually paying
for this.
Speaker 1 (09:22):
What would you tell that person?
Speaker 2 (09:24):
You would tell them they're backcrap crazy insane, because what
guess what that person would be backcrap crazy, insane, and
we as consumers would be backcrap crazy insane forever going
down in that path in the first place.
Speaker 1 (09:37):
Right, it's nuts.
Speaker 2 (09:39):
Nobody in their right mind would ever shop like that,
but we do every single day because we have been conditioned.
The people have talked about healthcare has broken us out
for no, it's stupid. It really is a criminal operation.
The way it's run it has angered me my entire life.
(10:00):
It goes against every sensibility that exists. It is that crap, crazy, insane.
Do you walk into a healthcare facility and you're presented
with a piece of paper has a lot of words
on it that amounts to something along the lines of
you have no idea what's going to happen, even if
(10:20):
you think you do. When you get back here, we
can't tell you what any of the stuff back here
that you are unaware of that might take place is
going to cost. But whatever your insurance company doesn't pay
for all this, you've got it. And we've been conditioned
(10:46):
to do that. We sign we do the cart store example,
every single day in this country. Now you think we're
getting a good deal or do you think we get
screwed six.
Speaker 1 (10:57):
Ways aside Sunday?
Speaker 2 (10:59):
First by medical service providers, ultimately by the health insurance
companies too. Who gets service by this not you, not
the person trying to get actual health care services.
Speaker 1 (11:13):
What's better than that is.
Speaker 2 (11:17):
How often do you even get the benefit of the
health insurance these days, since the average health insurance policy
is a high deductible plan.
Speaker 1 (11:27):
You go through all of that and you.
Speaker 2 (11:29):
Still never end up penning the deductible, which means you
pay for your unaffordable health insurance and then you pay
for the actual health care service.
Speaker 1 (11:41):
That you get to you get nothing.
Speaker 2 (11:45):
The healthcare service provider that gets to game the insurance
system wins, the health insurance company wins all day long.
Speaker 1 (11:54):
You not so much. Your left holding the back. And
the best part is you're not just left holding the
bag for.
Speaker 2 (12:01):
You the year left holding the bag to pay for
all those obamic care policies too, because remember, it's a
healthcare crisis unless ninety two percent.
Speaker 1 (12:12):
Of the cause associated with those plans are paid for
it by you. That's fun. That is absolutely just fantastic.
Speaker 2 (12:22):
Right, So let me tell you about how all this
comes together and why trump Care is actually the thing
that I have been lobbying for for decades that can
truly fix the situation, bring insanity to an end, sanity
back into the healthcare system, and actual affordability in the process.
(12:43):
Brian mud In proclaim, But.
Speaker 1 (12:54):
I've understand I want to extend it for two years.
I don't want to extend it for two years. I'd
rather not extend.
Speaker 3 (12:58):
Them at all.
Speaker 2 (13:00):
And President Trump talking about not wanting to extend the
Obamacare subsidies at all. There should be absolutely no extension
of Obamacare subsidies at all. Brian Mudd in for Clay
and back and so talking about the absurdity of the
existing healthcare system.
Speaker 1 (13:16):
Now I want to boil down how we fix it.
Speaker 2 (13:19):
As the Trump Care legislation is being written and the
person that is taking the lead on at Senator Rick Scott,
and I've had extensive discussions with him, and an insurance
that is kind of faith restoring as well, So we'll
talk about that in a moment. I want to walk
you through how much can be saved by getting away
(13:40):
from the insurance first model where there's no consumer price transparency.
Even if you never end up reaching your high deductible
for your insurance policy, you end up not seeing what
stuff is going to cost, and so what could.
Speaker 1 (13:53):
We actually save? What could we actually save?
Speaker 2 (13:57):
So how much do you think you and your family
use during the course of a year in actual healthcare?
Like if you added up all the costs of stuff
that is just specifically healthcare service related.
Speaker 1 (14:09):
How much is that? Have any idea in mine?
Speaker 2 (14:14):
For every American over the past year, we spent fifteen
hundred and fourteen dollars on actual health care needs. Okay,
fifteen hundred and fourteen dollars on actual health care per person,
So you can do the math based upon how many
people in your family how much of that actually goes
towards healthcare? Though, Well, do you know what the average
(14:35):
costs for the average American for a health insurance plan
has been over the past year. It'll run you in
the neighborhood of over six thousand dollars over six thousand dollars,
So how much of that money ends up going straight
into the pockets of insurance companies. It's kind of a
(14:56):
good question to ask, especially if let's say, for example,
on your policy that on average would run you per person.
Family plans end up being an average of over twenty
thousand dollars these days, if you end up you're greater
than six thousand dollars health insurance plan, so you're fifteen
(15:18):
hundred actual that's actually spent on healthcare, so that hit
your high deductible. So what ends up happening is you
pay for the price of that health insurance policy. You
pay for that fifteen hundred dollars in healthcare too. And
this is where you begin to think about it for
a moment. So one five hundred bucks for healthcare per
person per year, that is actually affordable. That is very
(15:42):
affordable for the average person, average family. Over six thousand
dollars for health insurance before you receive any.
Speaker 1 (15:50):
Healthcare at all.
Speaker 2 (15:52):
That is the jumping off point for what makes healthcare
an unaffordable mess. So President Trump's plan, and it kicked
off with the posts recently he said, the only healthcare
I will support or approve is sending money directly back
to the people, with nothing going to the big, fat
rich insurance companies who have made trillions.
Speaker 1 (16:12):
Ripped off America.
Speaker 2 (16:13):
Long enough, the people will be allowed to negotiate and
buy their own much better insurance powered to the people.
And Congress, do not waste your time and energy on
anything else. This is the only way to have great
healthcare in America. So he is absolutely right about this,
and most importantly, Senator Rick Scott, who's authoring this, is
driving it up just that way.
Speaker 1 (16:35):
So what will this look like? What could it mean
to you.
Speaker 2 (16:39):
The answer is huge, and I'll break that down for
you coming up next. And it has been an honor
and a pleasure of being here with you this Thanksgiving
WEEKND Brian mudd in for Clay and Buck.
Speaker 1 (16:58):
The other young man. He's fighting for his life.
Speaker 2 (17:01):
He's a very bad shape.
Speaker 1 (17:02):
He's fighting for his life and hopefully we'll get.
Speaker 2 (17:05):
Better news with respect to him. Hey man, President Trump
talking about Andrew wool the second guardsman shot on Wednesday
and the Tarror attack in DC. We talked extensively about
that in the first hour into the second as well.
Been talking about healthcare and Trump Care specifically and the
(17:26):
real solution for health affordable healthcare in this country. Brian
mudd in for Clay and Bokiet has been a pleasure
being here with you. So now I want to work
through specifically what is being drafted and what it would
mean to you. So the first thing about what is
being drafted here is that health savings accounts effectively would
(17:51):
be used as the mechanism for ACA subsidies to be
paid into SOT. Right now you have the amount of
subsidy that is going to be paid, so people win.
And this is with subsidies extended in real time and
open enrollment. This may not necessarily apply because well that's
(18:12):
all part of what is still being debated in Washington.
But speaking typically what we've seen since the onset of Obamacare,
as you go to the exchange, you're going to end
up finding a policy and you'll see, based upon your circumstances,
what your subsidy is going to be, and that becomes
the mechanism by which one will often shop for insurance there.
(18:32):
And the net of it all is that ninety two
percent the cost has most recently and since COVID ended
up being eaten by all the other taxpayers who don't
use those exchange based policies. So what trump Care would do,
what we're talking about from a healthcare standpoint, is whatever
that amount is that would be used for a subsidy
(18:54):
for that person purchasing insurance on the exchange or for
a family that's doing it, that would go into a
health savings account for him, and then they could choose
do I want to buy health insurance or do I
just want to use this money for health certain care services?
And then if I want to buy insurance, what would
that look like? And so you could then have plans
(19:17):
that are just for your specific needs, because remember the
Obamacare mandates would go away at this point, so you
wouldn't have to be paid for contraception as a man,
for example, among other things and all the other nonsense,
because that's all part of the insurance racket is you
have all these things that you're mandated to pay for
(19:37):
even if there's no biological chance it would ever be
relevant to you. So then you take a look at
the potential impact of all of this, because I'm gonna
walk through a couple different avenues. The first is, okay,
so now you have insurance companies are going to have
(19:58):
to get competitive over these consumers of the health insurance products.
So that will end up having a profound impact within
the insurance industry itself. But what is it also going
to do in the health care industry? Because you're going
to have a lot of people that are just shopping
for health care services. It's going to make the medical
(20:19):
service industry become price competitive and transparent as well, because
they're going to want the money that's available. One of
the more profound things that I was talking to Senator
Scott about taking the first step and doing this with
the Obamacare subsidies, and he's a former healthcare CEO.
Speaker 1 (20:38):
He believes that if.
Speaker 2 (20:41):
We get this done with the Affordable Care Act policies,
with the exchange based policies, that you're going to have
private employers that follow suit. So to give you an idea,
in twenty twenty five, the average private employer is paying
about seventy eight hundred bucks towards an employee's health insurance plan.
That jumps to over ten thousand dollars for the average
(21:02):
family plan. So imagine if, rather than your company kick
in seventy eight one hundred to twenty thousand bucks over
to your insurance company, that money went into your health
savings account in addition to the money that you pay
out a pocket your piece of that.
Speaker 1 (21:19):
Employer sponsored plan. Imagine if you had.
Speaker 2 (21:22):
All that money, and then imagine if you could buy
just the healthcare that you need. In doing an analysis
on this, let's say that you were to go for
a really high end plan that would cover most likely
your needs. Again, I'm talking about a typical person. You're
talking about a savings that would likely be in the
neighborhood of thirty percent over what that insurance plan currently cost.
(21:47):
Let's say that you're young and healthy and you want
to buy insurance. You're probably talking about a savings that
is closer to seventy percent on the health insurance plan. Again,
if you choose to pay for it, and then when
you actually do go to pay for health care services,
you have a much better chance of actually knowing what
(22:09):
the heck it is that something is going to cost. Now, again,
there are differences here, Right, you have emergencies. Obviously we're
not worried about in an emergency situation, Hey how much
is this going to cost? And like certain circumstances. Right,
(22:30):
So this is where catastrophic hare comes into play. I
talked about the backcrap crazy analogy of doing your Black
Friday shopping, heading into a store, having your cart taken
over buy an employee. You greet you when you walk in,
and then they walk you walk around with them through
the store saying hey, here's what I've got going on,
(22:51):
and they decide what's going to go in your cart,
and then you get to the checkout and then they demand
your credit card and you give it to them and
they tell you that you're not going to know what
you're actually going to be paying for anything in that
cart that they filled until maybe two three months later,
and then you just sign and go, Okay, that's great. Well,
would never do such a thing. Well, the other part
(23:13):
of that comes into play when you're talking about the
use of insurance. There's no reason that health insurance can
principally be used as every other major insurance.
Speaker 1 (23:25):
Product that's out there.
Speaker 2 (23:28):
If you have, I don't know, a battery that goes
bad in your car, what.
Speaker 1 (23:34):
Do you do.
Speaker 2 (23:36):
You go buy a new battery and if you're handy,
you put it in yourself. If not, you go to
a mechanic and you pay them to do it. Your
battery doesn't go bad, and you file an auto insurance claim, right,
that would be nuts. So your house, you have one
of your doors in your house that falls off the hinge.
If you're handy, you go get a new hinge and
(23:58):
you put that thing back up there. Or not, you
get a handyman, they come back in and they take
care of your door. You don't file a property insurance claim.
That would be backcraft crazy. And so this is how
healthcare could be used. Health insurance could be used for
actual health care. You have an emergency, you have something
where it's going to be a big deal, a catastrophic
(24:21):
kind of coverage. Now you got the health insurance that
you've purchased at a significant savings for that. For everything else,
we are transacting the way that we do with every
other product in life. And by the way, when you
take a look at the impact of us being good consumers,
when you take a look at being able to buy
the health insurance that you actually need based upon your situation,
(24:43):
not what's mandated by the federal government. When you have
all this money in your health care savings account that
can be used for health care, what do you think
the outcomes are going to be from a patient in
a health standpoint, you think they're going to be better.
The average person doesn't hit their high deductible plan in
a given year anyway, So people often even with health insurance,
are not getting the health care services they need because
(25:08):
the money goes to the health insurance.
Speaker 1 (25:09):
Companies, not to them.
Speaker 2 (25:11):
So now you'd actually be able to pay for your
health care. We have a healthier country. We have more
people obtaining more of the health care that they need,
generally long term outcomes. And the only losers in this
deal are the medical service providers that have been gaming
the system and taking advantage of it, and the health
(25:33):
insurance companies that have been the single biggest winners of all.
And by the way, for the honest medical service providers
out there.
Speaker 1 (25:40):
How much money do would you save?
Speaker 2 (25:42):
How much money would fall to the bottom line if
you didn't have to have like a whole department that
has just set up to try to decipher the insurance
claims and the headache and the mess going back and
forth with an insurance company over a situation.
Speaker 1 (25:57):
How many people wouldn't have.
Speaker 3 (25:59):
To do that.
Speaker 2 (26:00):
How much money could be saved in that process? And
so there is no downside to this again, unless you're
part of the fix, unless you're on the receiving end.
For the average American, the impact is absolutely profound.
Speaker 1 (26:16):
Let's see. Let's go to Bob.
Speaker 2 (26:19):
We'll start with Bob in Florida. Bob, welcome to the show.
Speaker 4 (26:24):
Hi there, Thank you for having me. You've got deeply
sympathized with all the arguments you've been putting out, But
I think you missed on the primary point. Health insurance
is probably the number two issue with the cost of
health care, and I'll tell you why, Rustling, but pointed
out about three years ago that half of all money
(26:45):
that goes to doctors and hospitals is actually going to
malpractice insurance, and the tort lawyers pocket a significant amount
of that in massive legal payouts to fripolous laws. Suits
never should have happened in the first place. To reform
the port system, you have to fight all those lawyers
(27:08):
and put in hard limits on how much is paid
out in malpractice. But you also have to put a
clause the loser has a mandatory responsibility to pay for
all legal fees. That'll produce a number of malpractice lawsuits
by roughly seventy percent. So you're right, in way, way
way down.
Speaker 1 (27:28):
It actually won't. You're right, but it won't.
Speaker 2 (27:31):
And so I've got information on that too, And so
a couple things about this. You're right that medical malpractice
is a problem. The first thing is it's not as
bad as it used to be, and that is because
you have had a lot of states that have taken
action to curb malpractice. Not all, but you have had many,
including some big states. Even California has curbed medical malpractice
(27:54):
believe it or not, in recent years. And so malpractice
is it a problem? Yeah, how much does it actually
cost in terms of what you're paying for healthcare? The
most recent analysis, a twenty twenty four analysis heading into
this year by MEDPLI, two point eight percent two point
eight percent of total healthcare expense is medical malpractice. So
(28:16):
we can save between thirty to seventy percent by doing
precisely what I'm talking about. The President is advocating for.
Senator Rick Scott is putting pen to paper on and
we could save an additional two point eight percent if
we totally solve the medical malpractice piece too. So does
it factor in? Yes, is that the crux of the issue.
(28:39):
Not by a long shot. Let's go to Jim Jim
in Tennessee. Welcome to the show.
Speaker 5 (28:47):
Good afternoon, Brian. Great to talk to you.
Speaker 1 (28:50):
Appreciate him.
Speaker 5 (28:52):
It's a little bit of a bittersweet call. I reached
your call screener on actually my first call. Great guy
by the way, very professional.
Speaker 3 (29:01):
But I looked at.
Speaker 5 (29:02):
My phone and you know the contact name that comes
up when you dial the number said Rush Limbaugh and
it was from back in the day when I had
Russia's number on here. So this is a call for
the great one. The what bothers me. Most about Obamacare,
(29:24):
besides the lives that we were told when it was passed,
is the fact that even to this day, I would
wager that the vast majority of people out there do
not even realize that this is administered by private insurance companies.
I think most of them believe that it's just another
(29:45):
government handout like Medicare. My wife got in a knockdown
drag out with her leftist siblings recently when all of
the discussion was on about reducing the subsidies, and they
simply didn't realize that this is the insurance companies, and
(30:08):
this was the biggest giveaway to the insurance industry in
the last forty years. And I worked in the insurance industry.
Speaker 1 (30:17):
Jim, I appreciate the call.
Speaker 2 (30:20):
You're right on point, and thank you for having been
so loyal obviously during a very long window time. And
I'll tell you on that particular note there is I'm
a rush baby, you know. Rush Limbaugh is not only
the reason that I do this to this day, but
it's the reason that talk radio exists, and that AM
(30:42):
radio often still exists, and all the other digital outlets
that we have today, with all of the content that
has provided. So we all in this industry owe everything
to Rush Limbaugh. And it's the one time I've been
super emotional on air. The one time that I could
not hold back was today I went on the air
after after we lost one of the most remarkable human
(31:05):
beings this planet has ever seen. So I hear you,
I hear you. Let's go to Don in Wisconsin, real quick, done? Hey,
do we have you?
Speaker 1 (31:18):
Don matter?
Speaker 3 (31:19):
The fact of the matter is, if if they would
just enforce the and I trust laws that are on
the books and force these medical providers to charge everybody
the same price, insurance or not, there would no longer
be a need for medical insurance for the most part,
for most people, other than catastrophic care. An example, and
I don't know if this model is still functioning in Oklahoma,
(31:41):
but the Oklahoma Surgical Center did not accept insurance whatsoever,
and you could get a knee replacement down there for
eighty percent less than you would pay with normal insurance
in the normal market that we're dealing.
Speaker 1 (31:54):
With, Greg being the laws that are already on the book.
Speaker 2 (31:59):
Appreciate it, and getting away from the insurance first model,
consumer price transparency not being forced into buying, buying insurance
that we don't need, being able to use the actual
money for health care rather than purchasing health insurance. All
these things would solve the problem. I'm Brian mudd In
for Clay and Buck.
Speaker 1 (32:28):
Hey, I'm Klay Travis and I'm Buck Sexton. You know
what we're thankful for this year, all of you. That's right.
Speaker 2 (32:34):
We have the best radio audience in the country, hands down.
Sending a big, warm and happy Thanksgiving from the Clay
and Buck Show today.
Speaker 5 (32:42):
More than ever, we need people who will promote dialogue
and practice it with firm will and patient resolve.
Speaker 2 (32:51):
Pebleo is part of this Thanksgiving message. Happy Thanksgiving weekend
to you and your family this Black Friday.
Speaker 1 (32:58):
Brian mud In for Clay and Buck.
Speaker 2 (33:00):
Again the great uniter talked about in the second hour,
President Trump, you want to talk about dialogue, unprecedented piece
the man's brought about. We could be talking about at
Russia Ukraine. Most recently though, were talking about healthcare. And
here's the final point I would mention to you, as
I've been talking about.
Speaker 1 (33:13):
Trump Care being the fix.
Speaker 2 (33:15):
If you could have all the money orn Obamacare subsidy
provided directly to you, in a health savings account as
opposed to paying for insurance. Would you want it if
you have an employer sponsored plan, would you rather that
seven to twenty thousand dollars going to a health savings
care account that you have control over, or would you
rather going to the insurance company. And the point is this,
(33:37):
it's not just a fix, it's good politics. Good policy
is often good politics. And I can't imagine the universe
in which the President of the United States representatives in
Congress present this to the American people where you're going
to say, you know what, I'd rather the money just
go straight to the insurance company. I'm happy with this
insurance first model.
Speaker 1 (33:56):
Everything it's great.
Speaker 2 (33:57):
I don't want to say thirty to seventy percent on
my health care. No status quo is a good thing.
So I leave you with that thought, we can fix
this thing. God bless you and your family. Brandon proclaimed
Bus nexton on the front lines of truth.
Welcome to today's edition of the Klay, Travis and Buck
Sexton Show podcast.
Speaker 2 (00:04):
The President's very much involved in these talks, and he's
very focused on unveiling a healthcare proposal that will fix
the system and will bring down costs for consumers. Oh
say it once again, mean it, Say it like you
mean it.
Speaker 1 (00:22):
Let it be true. Press Secretary Caroline, I love it.
Speaker 2 (00:25):
As she was talking about trump Care, you call it
whatever you want. Although I do think trump Care has
a good ring to it. I do think that unlike Obama,
he's like, you know, I like Obama.
Speaker 1 (00:37):
I'm Obama and I care.
Speaker 2 (00:39):
Remember we said that I'm Obama and I care, so
we embrace the whole Obamacare thing. And so it was
and still is the Obama Nation. But nevertheless, trump Care
is something you'd actually want your name on. So this
is something that should be branded accordingly.
Speaker 1 (00:58):
Hey, they're happy Thanksgiving.
Speaker 2 (01:00):
I hope you and your family your friends had a
fantastic Thanksgiving and I certainly did with my family and
friends and this entire holiday season. May God bless you
your family. Thank you for taking a little time with us.
Maybe you're doing a little Black Friday shopping. Maybe you're
doing it on aline. However you're doing it, you know
(01:20):
where you could save a heck of a lot of money,
I mean an unreal amount of money with your healthcare.
With your healthcare, you want to do some real Black
Friday shopping. Holy cal we can get trump Care pass.
Every day when it comes to healthcare will be Black Friday.
I'm going to break this thing down and explain. Bright
(01:42):
Mudd here for Clay and Buck. I host the Brian
Mudshow out of my home station w J and O
in West Palm Beach, just a few miles from marl
Laco and El Presidente where he is right now, and
also where it is seventy one in sunny right now.
I'm just saying, there's a reason why so many people
come here and stay. But you may catch me the
(02:05):
Brian mud Show podcast wherever you get your podcasts at
Brian Mudd Radio. Socially, let's talk about how trump Care
could change everything, absolutely everything.
Speaker 1 (02:18):
So the fix has been in.
Speaker 2 (02:19):
The fix on healthcare has been in since March twenty
third of twenty ten. That is the day that the
big O that Barack Obama sided into law, the ACA,
and all the lives that came along with it. Obviously
(02:41):
was not true that the law made healthcare affordable, and
for a while I was like, you know what, we
should be able to just overturn the Affordable Care Act
on legal grounds that it's false advertising. I mean that alone,
we should be able to just throw the whole dang
(03:01):
thing out, because the most certainly was not true that
if you liked if you like your doctor, you like
your health insurance plan, and oh, terrible Obama, Buck's amazing
ad impersonations.
Speaker 1 (03:12):
I'm terrible, but that's kind of some of the fun.
Speaker 2 (03:16):
If you're really good at it, that's fun. If you're
really bad at it, I guess that could be kind
of fun too. So yeah, I mean, the whole thing
about if you like your existing health insurance plan, you
and keep it, h you liked your doctor, still be
able to keep seeing him.
Speaker 1 (03:31):
Or her stuff wasn't true.
Speaker 2 (03:34):
What was true was that one of the greatest corporate
welfare projects in the American history, if not the absolute largest,
was set into emotion, and along with it, I guarantee
that you would have a heck of a lot less
health care affordability. That is, because the not Affordable Care
Act took the single greatest obstacle to affordable healthcare.
Speaker 1 (03:59):
And I'll pause there momentary.
Speaker 2 (04:01):
What is what do you believe is the single greatest
obstacle to affordable health care?
Speaker 1 (04:09):
You have your answer. It's health insurance.
Speaker 2 (04:14):
The single greatest obstacle to ever having affordable health care
is health insurance and the freaking insurance first model. So
it took the single greatest obstacle to affordable health care
(04:35):
and mandated it into existence where you literally would be
text get the text penalty if you didn't have health insurance.
How dare you not? We got to do everything through
health insurance. The greatest lie.
Speaker 1 (04:50):
That has been.
Speaker 2 (04:51):
Perpetuated every cent ever since this whole thing, going all
the way back to March to twenty ten, is that
health insurance equal healthcare. It's one of those things like
I am so not a violent person. I'm not the
kind of person who screams and throws things. I'm not
none of that. To the extent that it exists within me,
(05:14):
it comes out like when I hear health insurance equals
healthcare or some kind of incarnation, I just want to
I want to throw things because it is utter bs.
The fact of the matter is that the average American
the average family can't afford actual health care because of
(05:35):
the insanely high cost of health insurance. It's true with
employee sponsored plans. It is especially true of exchange based
Obamacare plans too. So we recently had the longest partial
government shut down in American history. Why Well, because Democrats claim, Hey,
(05:57):
we're going to have a healthcare crisis. It'll be a
healthcare crisis if COVID era Obamacare tax credits that propped
up the Unaffordable Care Act, if those weren't extended, and
voting no for the continuing Resolution to end the shutdown,
good old Chuck, as Rush would have said, you Schumer
(06:20):
said this, this healthcare crisis is so severe, so urgent,
so devastating for families back home, that I cannot in
good faith support this. Okay, So what is it that
he was talking about? What is the healthcare crisis that,
good old Chuck you had to speak back. Oh, it
(06:44):
was a Bombacare, It was Obamacare, something that he voted
to create, something that was pitched as.
Speaker 1 (06:54):
The Affordable Care Act.
Speaker 2 (06:55):
It's been such a failure done the less ninety two
percent of the costs are paid for by the people
who don't actually use those plans.
Speaker 1 (07:06):
That is a crisis.
Speaker 2 (07:08):
Okay, So to be clear, unless ninety two percent of
the cost for the Obamacare policies are.
Speaker 1 (07:17):
Paid for by the people who don't.
Speaker 2 (07:20):
Use them, I meaning all the rest of us as
federal tax paying clubs, then that is a crisis. And
that's because the fix has been in ever since the
onset of the ACA, and the only winners have been
the health insurance and those who've been able to exploit
the situation and taxpayers. And so this takes us to
what needs to be fixed. It's something I've talked about
(07:42):
my entire career. At this point is going on twenty
eight years. The key to solving healthcare affordability challenges is
what consumer price transparency? It's Black Friday. You're darn good
at finding deals, aren't you. If you know what something
cost and you know what it is you're looking for,
(08:05):
you are really good at being able to find a
good deal.
Speaker 1 (08:08):
Right.
Speaker 2 (08:11):
The biggest obstacle to price transparency is what it's the
current insurance first model.
Speaker 1 (08:19):
How insane is it?
Speaker 2 (08:21):
I mean, imagine that you were to go into a
store today, you're out doing your Black Friday shopping. You
go into a store absolutely no prices anywhere you have somebody,
You tell somebody up front, hey, these are things that
I need.
Speaker 1 (08:39):
Here's what I got going on. Here are things I need.
Speaker 2 (08:41):
And they go ahead and they take a cart from you,
and they'll they take you along with the cart. But
then they just start putting stuff in that cart. And
then you get to the checkout, that full cart, and
they say, okay, go ahead and hand over your credit
card now, and you're looking at them wondering if you
(09:04):
needed everything that was in your cart, and you have
a question or two about what stuff costs?
Speaker 1 (09:12):
Are you going to hand over that car and know? Okay?
Speaker 2 (09:14):
And then when they run it, they say, oh, and
by the way, yeah, maybe two three months from now,
we're going to tell you how much you're actually paying
for this.
Speaker 1 (09:22):
What would you tell that person?
Speaker 2 (09:24):
You would tell them they're backcrap crazy insane, because what
guess what that person would be backcrap crazy, insane, and
we as consumers would be backcrap crazy insane forever going
down in that path in the first place.
Speaker 1 (09:37):
Right, it's nuts.
Speaker 2 (09:39):
Nobody in their right mind would ever shop like that,
but we do every single day because we have been conditioned.
The people have talked about healthcare has broken us out
for no, it's stupid. It really is a criminal operation.
The way it's run it has angered me my entire life.
(10:00):
It goes against every sensibility that exists. It is that crap, crazy, insane.
Do you walk into a healthcare facility and you're presented
with a piece of paper has a lot of words
on it that amounts to something along the lines of
you have no idea what's going to happen, even if
(10:20):
you think you do. When you get back here, we
can't tell you what any of the stuff back here
that you are unaware of that might take place is
going to cost. But whatever your insurance company doesn't pay
for all this, you've got it. And we've been conditioned
(10:46):
to do that. We sign we do the cart store example,
every single day in this country. Now you think we're
getting a good deal or do you think we get
screwed six.
Speaker 1 (10:57):
Ways aside Sunday?
Speaker 2 (10:59):
First by medical service providers, ultimately by the health insurance
companies too. Who gets service by this not you, not
the person trying to get actual health care services.
Speaker 1 (11:13):
What's better than that is.
Speaker 2 (11:17):
How often do you even get the benefit of the
health insurance these days, since the average health insurance policy
is a high deductible plan.
Speaker 1 (11:27):
You go through all of that and you.
Speaker 2 (11:29):
Still never end up penning the deductible, which means you
pay for your unaffordable health insurance and then you pay
for the actual health care service.
Speaker 1 (11:41):
That you get to you get nothing.
Speaker 2 (11:45):
The healthcare service provider that gets to game the insurance
system wins, the health insurance company wins all day long.
Speaker 1 (11:54):
You not so much. Your left holding the back. And
the best part is you're not just left holding the
bag for.
Speaker 2 (12:01):
You the year left holding the bag to pay for
all those obamic care policies too, because remember, it's a
healthcare crisis unless ninety two percent.
Speaker 1 (12:12):
Of the cause associated with those plans are paid for
it by you. That's fun. That is absolutely just fantastic.
Speaker 2 (12:22):
Right, So let me tell you about how all this
comes together and why trump Care is actually the thing
that I have been lobbying for for decades that can
truly fix the situation, bring insanity to an end, sanity
back into the healthcare system, and actual affordability in the process.
(12:43):
Brian mud In proclaim, But.
Speaker 1 (12:54):
I've understand I want to extend it for two years.
I don't want to extend it for two years. I'd
rather not extend.
Speaker 3 (12:58):
Them at all.
Speaker 2 (13:00):
And President Trump talking about not wanting to extend the
Obamacare subsidies at all. There should be absolutely no extension
of Obamacare subsidies at all. Brian Mudd in for Clay
and back and so talking about the absurdity of the
existing healthcare system.
Speaker 1 (13:16):
Now I want to boil down how we fix it.
Speaker 2 (13:19):
As the Trump Care legislation is being written and the
person that is taking the lead on at Senator Rick Scott,
and I've had extensive discussions with him, and an insurance
that is kind of faith restoring as well, So we'll
talk about that in a moment. I want to walk
you through how much can be saved by getting away
(13:40):
from the insurance first model where there's no consumer price transparency.
Even if you never end up reaching your high deductible
for your insurance policy, you end up not seeing what
stuff is going to cost, and so what could.
Speaker 1 (13:53):
We actually save? What could we actually save?
Speaker 2 (13:57):
So how much do you think you and your family
use during the course of a year in actual healthcare?
Like if you added up all the costs of stuff
that is just specifically healthcare service related.
Speaker 1 (14:09):
How much is that? Have any idea in mine?
Speaker 2 (14:14):
For every American over the past year, we spent fifteen
hundred and fourteen dollars on actual health care needs. Okay,
fifteen hundred and fourteen dollars on actual health care per person,
So you can do the math based upon how many
people in your family how much of that actually goes
towards healthcare? Though, Well, do you know what the average
(14:35):
costs for the average American for a health insurance plan
has been over the past year. It'll run you in
the neighborhood of over six thousand dollars over six thousand dollars,
So how much of that money ends up going straight
into the pockets of insurance companies. It's kind of a
(14:56):
good question to ask, especially if let's say, for example,
on your policy that on average would run you per person.
Family plans end up being an average of over twenty
thousand dollars these days, if you end up you're greater
than six thousand dollars health insurance plan, so you're fifteen
(15:18):
hundred actual that's actually spent on healthcare, so that hit
your high deductible. So what ends up happening is you
pay for the price of that health insurance policy. You
pay for that fifteen hundred dollars in healthcare too. And
this is where you begin to think about it for
a moment. So one five hundred bucks for healthcare per
person per year, that is actually affordable. That is very
(15:42):
affordable for the average person, average family. Over six thousand
dollars for health insurance before you receive any.
Speaker 1 (15:50):
Healthcare at all.
Speaker 2 (15:52):
That is the jumping off point for what makes healthcare
an unaffordable mess. So President Trump's plan, and it kicked
off with the posts recently he said, the only healthcare
I will support or approve is sending money directly back
to the people, with nothing going to the big, fat
rich insurance companies who have made trillions.
Speaker 1 (16:12):
Ripped off America.
Speaker 2 (16:13):
Long enough, the people will be allowed to negotiate and
buy their own much better insurance powered to the people.
And Congress, do not waste your time and energy on
anything else. This is the only way to have great
healthcare in America. So he is absolutely right about this,
and most importantly, Senator Rick Scott, who's authoring this, is
driving it up just that way.
Speaker 1 (16:35):
So what will this look like? What could it mean
to you.
Speaker 2 (16:39):
The answer is huge, and I'll break that down for
you coming up next. And it has been an honor
and a pleasure of being here with you this Thanksgiving
WEEKND Brian mudd in for Clay and Buck.
Speaker 1 (16:58):
The other young man. He's fighting for his life.
Speaker 2 (17:01):
He's a very bad shape.
Speaker 1 (17:02):
He's fighting for his life and hopefully we'll get.
Speaker 2 (17:05):
Better news with respect to him. Hey man, President Trump
talking about Andrew wool the second guardsman shot on Wednesday
and the Tarror attack in DC. We talked extensively about
that in the first hour into the second as well.
Been talking about healthcare and Trump Care specifically and the
(17:26):
real solution for health affordable healthcare in this country. Brian
mudd in for Clay and Bokiet has been a pleasure
being here with you. So now I want to work
through specifically what is being drafted and what it would
mean to you. So the first thing about what is
being drafted here is that health savings accounts effectively would
(17:51):
be used as the mechanism for ACA subsidies to be
paid into SOT. Right now you have the amount of
subsidy that is going to be paid, so people win.
And this is with subsidies extended in real time and
open enrollment. This may not necessarily apply because well that's
(18:12):
all part of what is still being debated in Washington.
But speaking typically what we've seen since the onset of Obamacare,
as you go to the exchange, you're going to end
up finding a policy and you'll see, based upon your circumstances,
what your subsidy is going to be, and that becomes
the mechanism by which one will often shop for insurance there.
(18:32):
And the net of it all is that ninety two
percent the cost has most recently and since COVID ended
up being eaten by all the other taxpayers who don't
use those exchange based policies. So what trump Care would do,
what we're talking about from a healthcare standpoint, is whatever
that amount is that would be used for a subsidy
(18:54):
for that person purchasing insurance on the exchange or for
a family that's doing it, that would go into a
health savings account for him, and then they could choose
do I want to buy health insurance or do I
just want to use this money for health certain care services?
And then if I want to buy insurance, what would
that look like? And so you could then have plans
(19:17):
that are just for your specific needs, because remember the
Obamacare mandates would go away at this point, so you
wouldn't have to be paid for contraception as a man,
for example, among other things and all the other nonsense,
because that's all part of the insurance racket is you
have all these things that you're mandated to pay for
(19:37):
even if there's no biological chance it would ever be
relevant to you. So then you take a look at
the potential impact of all of this, because I'm gonna
walk through a couple different avenues. The first is, okay,
so now you have insurance companies are going to have
(19:58):
to get competitive over these consumers of the health insurance products.
So that will end up having a profound impact within
the insurance industry itself. But what is it also going
to do in the health care industry? Because you're going
to have a lot of people that are just shopping
for health care services. It's going to make the medical
(20:19):
service industry become price competitive and transparent as well, because
they're going to want the money that's available. One of
the more profound things that I was talking to Senator
Scott about taking the first step and doing this with
the Obamacare subsidies, and he's a former healthcare CEO.
Speaker 1 (20:38):
He believes that if.
Speaker 2 (20:41):
We get this done with the Affordable Care Act policies,
with the exchange based policies, that you're going to have
private employers that follow suit. So to give you an idea,
in twenty twenty five, the average private employer is paying
about seventy eight hundred bucks towards an employee's health insurance plan.
That jumps to over ten thousand dollars for the average
(21:02):
family plan. So imagine if, rather than your company kick
in seventy eight one hundred to twenty thousand bucks over
to your insurance company, that money went into your health
savings account in addition to the money that you pay
out a pocket your piece of that.
Speaker 1 (21:19):
Employer sponsored plan. Imagine if you had.
Speaker 2 (21:22):
All that money, and then imagine if you could buy
just the healthcare that you need. In doing an analysis
on this, let's say that you were to go for
a really high end plan that would cover most likely
your needs. Again, I'm talking about a typical person. You're
talking about a savings that would likely be in the
neighborhood of thirty percent over what that insurance plan currently cost.
(21:47):
Let's say that you're young and healthy and you want
to buy insurance. You're probably talking about a savings that
is closer to seventy percent on the health insurance plan. Again,
if you choose to pay for it, and then when
you actually do go to pay for health care services,
you have a much better chance of actually knowing what
(22:09):
the heck it is that something is going to cost. Now, again,
there are differences here, Right, you have emergencies. Obviously we're
not worried about in an emergency situation, Hey how much
is this going to cost? And like certain circumstances. Right,
(22:30):
So this is where catastrophic hare comes into play. I
talked about the backcrap crazy analogy of doing your Black
Friday shopping, heading into a store, having your cart taken
over buy an employee. You greet you when you walk in,
and then they walk you walk around with them through
the store saying hey, here's what I've got going on,
(22:51):
and they decide what's going to go in your cart,
and then you get to the checkout and then they demand
your credit card and you give it to them and
they tell you that you're not going to know what
you're actually going to be paying for anything in that
cart that they filled until maybe two three months later,
and then you just sign and go, Okay, that's great. Well,
would never do such a thing. Well, the other part
(23:13):
of that comes into play when you're talking about the
use of insurance. There's no reason that health insurance can
principally be used as every other major insurance.
Speaker 1 (23:25):
Product that's out there.
Speaker 2 (23:28):
If you have, I don't know, a battery that goes
bad in your car, what.
Speaker 1 (23:34):
Do you do.
Speaker 2 (23:36):
You go buy a new battery and if you're handy,
you put it in yourself. If not, you go to
a mechanic and you pay them to do it. Your
battery doesn't go bad, and you file an auto insurance claim, right,
that would be nuts. So your house, you have one
of your doors in your house that falls off the hinge.
If you're handy, you go get a new hinge and
(23:58):
you put that thing back up there. Or not, you
get a handyman, they come back in and they take
care of your door. You don't file a property insurance claim.
That would be backcraft crazy. And so this is how
healthcare could be used. Health insurance could be used for
actual health care. You have an emergency, you have something
where it's going to be a big deal, a catastrophic
(24:21):
kind of coverage. Now you got the health insurance that
you've purchased at a significant savings for that. For everything else,
we are transacting the way that we do with every
other product in life. And by the way, when you
take a look at the impact of us being good consumers,
when you take a look at being able to buy
the health insurance that you actually need based upon your situation,
(24:43):
not what's mandated by the federal government. When you have
all this money in your health care savings account that
can be used for health care, what do you think
the outcomes are going to be from a patient in
a health standpoint, you think they're going to be better.
The average person doesn't hit their high deductible plan in
a given year anyway, So people often even with health insurance,
are not getting the health care services they need because
(25:08):
the money goes to the health insurance.
Speaker 1 (25:09):
Companies, not to them.
Speaker 2 (25:11):
So now you'd actually be able to pay for your
health care. We have a healthier country. We have more
people obtaining more of the health care that they need,
generally long term outcomes. And the only losers in this
deal are the medical service providers that have been gaming
the system and taking advantage of it, and the health
(25:33):
insurance companies that have been the single biggest winners of all.
And by the way, for the honest medical service providers
out there.
Speaker 1 (25:40):
How much money do would you save?
Speaker 2 (25:42):
How much money would fall to the bottom line if
you didn't have to have like a whole department that
has just set up to try to decipher the insurance
claims and the headache and the mess going back and
forth with an insurance company over a situation.
Speaker 1 (25:57):
How many people wouldn't have.
Speaker 3 (25:59):
To do that.
Speaker 2 (26:00):
How much money could be saved in that process? And
so there is no downside to this again, unless you're
part of the fix, unless you're on the receiving end.
For the average American, the impact is absolutely profound.
Speaker 1 (26:16):
Let's see. Let's go to Bob.
Speaker 2 (26:19):
We'll start with Bob in Florida. Bob, welcome to the show.
Speaker 4 (26:24):
Hi there, Thank you for having me. You've got deeply
sympathized with all the arguments you've been putting out, But
I think you missed on the primary point. Health insurance
is probably the number two issue with the cost of
health care, and I'll tell you why, Rustling, but pointed
out about three years ago that half of all money
(26:45):
that goes to doctors and hospitals is actually going to
malpractice insurance, and the tort lawyers pocket a significant amount
of that in massive legal payouts to fripolous laws. Suits
never should have happened in the first place. To reform
the port system, you have to fight all those lawyers
(27:08):
and put in hard limits on how much is paid
out in malpractice. But you also have to put a
clause the loser has a mandatory responsibility to pay for
all legal fees. That'll produce a number of malpractice lawsuits
by roughly seventy percent. So you're right, in way, way
way down.
Speaker 1 (27:28):
It actually won't. You're right, but it won't.
Speaker 2 (27:31):
And so I've got information on that too, And so
a couple things about this. You're right that medical malpractice
is a problem. The first thing is it's not as
bad as it used to be, and that is because
you have had a lot of states that have taken
action to curb malpractice. Not all, but you have had many,
including some big states. Even California has curbed medical malpractice
(27:54):
believe it or not, in recent years. And so malpractice
is it a problem? Yeah, how much does it actually
cost in terms of what you're paying for healthcare? The
most recent analysis, a twenty twenty four analysis heading into
this year by MEDPLI, two point eight percent two point
eight percent of total healthcare expense is medical malpractice. So
(28:16):
we can save between thirty to seventy percent by doing
precisely what I'm talking about. The President is advocating for.
Senator Rick Scott is putting pen to paper on and
we could save an additional two point eight percent if
we totally solve the medical malpractice piece too. So does
it factor in? Yes, is that the crux of the issue.
(28:39):
Not by a long shot. Let's go to Jim Jim
in Tennessee. Welcome to the show.
Speaker 5 (28:47):
Good afternoon, Brian. Great to talk to you.
Speaker 1 (28:50):
Appreciate him.
Speaker 5 (28:52):
It's a little bit of a bittersweet call. I reached
your call screener on actually my first call. Great guy
by the way, very professional.
Speaker 3 (29:01):
But I looked at.
Speaker 5 (29:02):
My phone and you know the contact name that comes
up when you dial the number said Rush Limbaugh and
it was from back in the day when I had
Russia's number on here. So this is a call for
the great one. The what bothers me. Most about Obamacare,
(29:24):
besides the lives that we were told when it was passed,
is the fact that even to this day, I would
wager that the vast majority of people out there do
not even realize that this is administered by private insurance companies.
I think most of them believe that it's just another
(29:45):
government handout like Medicare. My wife got in a knockdown
drag out with her leftist siblings recently when all of
the discussion was on about reducing the subsidies, and they
simply didn't realize that this is the insurance companies, and
(30:08):
this was the biggest giveaway to the insurance industry in
the last forty years. And I worked in the insurance industry.
Speaker 1 (30:17):
Jim, I appreciate the call.
Speaker 2 (30:20):
You're right on point, and thank you for having been
so loyal obviously during a very long window time. And
I'll tell you on that particular note there is I'm
a rush baby, you know. Rush Limbaugh is not only
the reason that I do this to this day, but
it's the reason that talk radio exists, and that AM
(30:42):
radio often still exists, and all the other digital outlets
that we have today, with all of the content that
has provided. So we all in this industry owe everything
to Rush Limbaugh. And it's the one time I've been
super emotional on air. The one time that I could
not hold back was today I went on the air
after after we lost one of the most remarkable human
(31:05):
beings this planet has ever seen. So I hear you,
I hear you. Let's go to Don in Wisconsin, real quick, done? Hey,
do we have you?
Speaker 1 (31:18):
Don matter?
Speaker 3 (31:19):
The fact of the matter is, if if they would
just enforce the and I trust laws that are on
the books and force these medical providers to charge everybody
the same price, insurance or not, there would no longer
be a need for medical insurance for the most part,
for most people, other than catastrophic care. An example, and
I don't know if this model is still functioning in Oklahoma,
(31:41):
but the Oklahoma Surgical Center did not accept insurance whatsoever,
and you could get a knee replacement down there for
eighty percent less than you would pay with normal insurance
in the normal market that we're dealing.
Speaker 1 (31:54):
With, Greg being the laws that are already on the book.
Speaker 2 (31:59):
Appreciate it, and getting away from the insurance first model,
consumer price transparency not being forced into buying, buying insurance
that we don't need, being able to use the actual
money for health care rather than purchasing health insurance. All
these things would solve the problem. I'm Brian mudd In
for Clay and Buck.
Speaker 1 (32:28):
Hey, I'm Klay Travis and I'm Buck Sexton. You know
what we're thankful for this year, all of you. That's right.
Speaker 2 (32:34):
We have the best radio audience in the country, hands down.
Sending a big, warm and happy Thanksgiving from the Clay
and Buck Show today.
Speaker 5 (32:42):
More than ever, we need people who will promote dialogue
and practice it with firm will and patient resolve.
Speaker 2 (32:51):
Pebleo is part of this Thanksgiving message. Happy Thanksgiving weekend
to you and your family this Black Friday.
Speaker 1 (32:58):
Brian mud In for Clay and Buck.
Speaker 2 (33:00):
Again the great uniter talked about in the second hour,
President Trump, you want to talk about dialogue, unprecedented piece
the man's brought about. We could be talking about at
Russia Ukraine. Most recently though, were talking about healthcare. And
here's the final point I would mention to you, as
I've been talking about.
Speaker 1 (33:13):
Trump Care being the fix.
Speaker 2 (33:15):
If you could have all the money orn Obamacare subsidy
provided directly to you, in a health savings account as
opposed to paying for insurance. Would you want it if
you have an employer sponsored plan, would you rather that
seven to twenty thousand dollars going to a health savings
care account that you have control over, or would you
rather going to the insurance company. And the point is this,
(33:37):
it's not just a fix, it's good politics. Good policy
is often good politics. And I can't imagine the universe
in which the President of the United States representatives in
Congress present this to the American people where you're going
to say, you know what, I'd rather the money just
go straight to the insurance company. I'm happy with this
insurance first model.
Speaker 1 (33:56):
Everything it's great.
Speaker 2 (33:57):
I don't want to say thirty to seventy percent on
my health care. No status quo is a good thing.
So I leave you with that thought, we can fix
this thing. God bless you and your family. Brandon proclaimed
Bus nexton on the front lines of truth.
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Clay Travis
Buck Sexton
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