Podcasts about Kaiser Family Foundation

Ralph welcomes political consultant and pollster, Celinda Lake, to outline a ten-point Progressive Contract for America that she and Ralph believe – if adopted by Democratic candidates— will ensure they landslide the Republicans in the midterms. Then, Ben Cohen stops by to fill us in on his “Free Ben & Jerry!” campaign to take back the brand from the conglomerate that no longer retains the social justice values of their original company. Plus, Marine Corp veteran, Matthew Hoh, tells us about the provocative speech he made on Veterans Day entitled “Armistice Day and the Empire.”Celinda Lake is a political strategist and president of Lake Research Partners. She and her firm are known for cutting-edge research on issues including the economy, health care, the environment and education, and have worked for a number of institutions including the Democratic National Committee, the Democratic Governor's Association, AFL-CIO, SEIU, CWA, Sierra Club, NARAL, Human Rights Campaign, Planned Parenthood, VoteVets Action Fund, and the Kaiser Family Foundation. Her international work has included work in Liberia, Kyrgyzstan, Belarus Ukraine, South Africa, and Central America.I think [a Compact for America] is a really, really, really important idea, and it's absolutely essential to winning…And it should include concrete economic proposals. And it is noticeable that the two people who won governorships in 2025—Abigail Spanberger and Mikie Sherrill—both had contracts with their voters.Celinda LakeDemocrats need to lay out ten concrete proposals and run on them. We have the critique of what's going on. We understand what's happening in real people's lives. The third leg of the stool is offering our alternative—and a concrete alternative that people can pass on to their friends and family, that people can hold us accountable for. And the last of the ten proposals in the contract needs to be something about campaign finance reform. We have to get corporate money out of politics, or our system will continue to be rigged against us and rotting from the middle.Celinda LakeBen Cohen is an entrepreneur, philanthropist, and longtime anti-war activist. He is a co-founder of the ice cream company Ben & Jerry's and a prominent supporter of progressive causes. He is co-founder of Up In Arms, a public education and advocacy campaign pushing for a common-sense approach to military budgeting.What's happened is that the company recently got owned by the Magnum Corporation, and the Magnum Corporation has disbanded that independent board of directors. I mean, it's kind of a crazy, stupid move because it's under that independent board (which has legal authority over the social mission and the quality of the product and the use of the trademark) it's under that independent board that the company has grown and done so well. But they've gotten rid of the independent board.Ben CohenWhen Ben & Jerry's was in the midst of trying to fend off this acquisition, there were some new laws that were passed in Vermont that allowed a consideration of the benefit of the community with regard to a potential sale. And after the sale happened, B Corporation started. And I've talked with the founder of B Corp, and he was saying that one of the inspirations for starting B Corporations was what happened to Ben & Jerry's. So B Corporations are a different legal structure for corporations which requires them to take into account the social benefit to the community and legally makes it easier to resist these efforts to have the company taken over.Ben CohenMatthew Hoh is a disabled Marine Corps veteran of the Iraq War and former Afghan War State Department Officer. In 2009, after being appointed to the Foreign Service, Hoh resigned his post in Afghanistan over the Obama administration's escalation of the Afghan War. He is now an analyst and commentator on foreign and military policy issues as a senior fellow with the Eisenhower Media Network. He serves on the advisory boards of many peace organizations, including Veterans for Peace and World Beyond War, and is an associate member of Veteran Intelligence Professionals for Sanity.The United States recognized Armistice Day as a holiday until after the Second World War. And then in the height of the Cold War in the early 1950s, this idea of a holiday dedicated to peace, a holiday dedicated to the abrogation of warfare, a holiday that exposed just how false the motives for war are—oh that was incredibly troublesome. That was very problematic for the American empire (again, at the height of the Cold War). So there was this campaign to rename Armistice Day to Veterans Day. And this way, it became not a remembrance of the horrors of war, of what war entailed, of who profited from war. But rather a celebration of American veterans, that they have won freedoms, they have protected us from overseas enemies—and utilizing veterans, then, as a tool to crush dissent, to silence opposition.Matthew HohClick here to sign up to get a copy of Matthew Hoh's "Armistice Day and the Empire”News 6/19/26* Our top stories this week are about major local progressive victories. Here in Washington, DC Ward 4 Councilmember Janeese Lewis George – endorsed by a broad coalition of groups including the Metro DC DSA, the AFL-CIO, the Sierra Club and many more – has triumphed in the Mayoral primary. Lewis George trounced her centrist opponent, Councilmember Kenyan McDuffie, who was backed both by major local corporate interests, such as the realtor lobby and even the Washington Parking Association, but also Democratic Party power brokers, including two former DNC Chairs. Lewis George, hailed as DC's answer to Zohran Mamdani, won over 50% of the vote in the first round, meaning that while this is DC's first mayoral election under ranked-choice voting, this race will not trigger this mechanism. McDuffie, for his part, won around 36% of the vote, coming ahead of Lewis George only in Ward 3, the wealthiest in the District. While votes remain to be counted, McDuffie has conceded.* Another DSA-backed candidate is poised to win a seat on the DC council. In Ward 1, Aparna Raj appears to have come up just short of 50% but while this means the race will go to a second round of ranked-choice reallocation, given that Raj is more than 25 points ahead of her nearest opponent, her victory is all but guaranteed. This is based upon data from the DC Board of Elections. Raj's impending victory, paired with that of Janeese Lewis George and others like Oye Owolewa demonstrates that the DC DSA is an electoral force to be reckoned with.* In more progressive electoral news, Semafor reports Bernie Sanders has endorsed former Congresswoman Cori Bush in her “comeback” bid for her old seat. Bush, a nurse and Black Lives Matter activist, was a member of the “Squad” in the House before she was defeated by a primary challenge from the right, backed in large part by AIPAC money. With the Republican redistricting in her home state of Missouri, this seat is now the sole remaining safe Democratic seat in the Show-Me State. In a statement, Bush said she was “honored to be endorsed” by Sanders, whom she called a “true leader in our movement to guarantee healthcare, housing, and childcare for all.”* Another much-publicized Bernie endorsement was announced this week: that of Tennessee state Rep. Justin J. Pearson. Pearson was originally running as a primary challenger against longtime incumbent Congressman Steve Cohen in Tennessee's 9th congressional district, but since the state Republicans redrew the districts Cohen has decided to retire, leaving the Democratic nomination to Pearson for the taking. While this district has been drawn in such a way to make it difficult for a Democrat to win, Pearson argues that “You've got a number of disaffected Republican voters, you've got a number of distraught MAGA voters, and you've got fired-up Democrats, which is a perfect recipe for success for us…Because our tent is big enough for everybody who is feeling that this status quo was rigged and broken against working-class folk, and want to see a future that is more just,” per the Intercept.* Elsewhere in the South, the race in Florida's 20th congressional district is descending into chaos. Debbie Wasserman Schultz, the powerful centrist Democratic congresswoman who was drawn out of her traditional seat by the recent Republican-led redistricting is now officially running in this district, a move that “disappointed” Florida Democratic Party Chairwoman Nikki Fried, according to the Miami Herald. Fried further stated that Wasserman Schultz “[refused] to engage in meaningful dialogue about her decision.” Elijah Manley, the progressive candidate in this race, had harsher words for DWS. In a quote reported by Florida Politics, Manley stated “I'm not surprised that Debbie Wasserman Schultz is carpetbagging to FL-20, a black opportunity district, abandoning her own district and constituents…She is no different than the Republicans that are eviscerating black representation across the South. She is everything that's wrong with the broken unpopular Democratic establishment…I look forward to retiring her from public office permanently.”* Facing down the barrel of this decision, several of the Black candidates running in the 20th convened to discuss a plan to consolidate in order to ensure the district would continue to be represented by a Black member of Congress, as it has been for the past 34 years. However, CBS reports that plan has “fallen apart” as the filing deadline passed with none of the major Black candidates bowing out. This report includes statements from Sheila Cherfilus-McCormick, who, the piece notes, resigned from this very seat in disgrace earlier this year amid a congressional ethics investigation, saying she is “excited to campaign in the district I have represented for the last 5 years.” Dale Holness, the former Mayor of Broward County, said, “It has to be about policies that produce prosperity for the people.” Elijah Manley, said “I think it's going to come down to who works the hardest, and I think I'm going to work the hardest.” To this end, Manley has recently racked up major progressive endorsements in Florida, including Armando Grundy-Gomes, President of the Democratic Black Caucus of Florida, the Democratic Progressive Caucus of Florida, through President Matthew Grocholske, and Black Voters Matter lead Florida organizer Jamil Davis. According to the most recent polling, Manley lags behind Wasserman Schultz 21% to 39% in initial ballot testing, but blitzes into the lead 36% to 27% after voters receive candidate biographical information, per Florida Politics.* Another major political story from Florida is the comeback bid of former Congressman Alan Grayson. Grayson, who won a House seat in 2008, lost it in the Tea Party wave of 2010, won another seat, ran unsuccessfully for Senate, and then sought a comeback in 2018 is running in Florida's 7th congressional district, AOL reports. Grayson, known during his time in Congress for his “combative style and frequent clashes with Republicans,” is seeking to unseat scandal-plagued incumbent Republican Congressman Cory Mills. As this piece notes, Mills has “faced allegations ranging from sextortion claims made by a former girlfriend to accusations that he embellished aspects of his military record,” as well as what appears to be clear instances of corruption, such as driving government contracts to entities he owned. However, before these two have any chance of facing off against one another, both will have to get through his own party's primary.* Looking to Latin America, the outgoing President of Colombia Gustavo Petro, has published a fascinating op-ed in the Washington Post. In this piece, President Petro emphasizes how his government – considered one of the most opposed to American intervention in the region – has cooperated with the United States on shared objectives including stopping the “deadly flow of drug trafficking and transnational criminal violence.” Throughout the op-ed, Petro goes to great lengths to talk up Trump and how they have collaborated on mutual goals, even ending the piece by writing that “with continued U.S.-Colombia partnership, we can truly make the Americas great again.” This apparent about face from Petro, culminating in an obsequious appeal to Trump's favor, has led many to speculate about Petro's motivations here, including fear for his own safety, possible persecution within the American legal system or intervention in Colombia if his designated successor Ivan Cepeda ultimately wins the Colombian runoff presidential election this month. Whether or not this stratagem will work remains to be seen, but with Trump, flattery can get you everywhere.* In neighboring Peru, votes continue to be counted in the razor's edge race between Keiko Fujimori and Roberto Sánchez. The votes for the election, held on June 7th, are almost completely counted now – the tally stands at 99.38% – and at the moment Fujimori leads by around 39,000 votes. However, around 140,000 votes have been formally challenged, with 60% of those coming from Fujimori strongholds like Lima as well as Peruvians abroad. This from Reuters. Peru's political system has been wracked by instability, with the country going through nine presidents in the last ten years. Another painstakingly close election is unlikely to restore stability no matter who comes out on top.* Finally, we turn to the Middle East, where it seems the numerous parties involved in the latest round of peace talks may have finally reached a deal. According to Al Jazeera, in addition to the US-Iran agreement, rooted in a Memorandum of Understanding (MOU) which includes financial concessions to the Islamic Republic, Israel and Hezbollah are pursuing a ceasefire in Lebanon. However, Israel's notoriously loose interpretation of ceasefire agreements jeopardizes both this deal and MOU. Journalist and expert Rania Khalek states simply that “From Iran's perspective, continued Israeli strikes would be a violation of that understanding.” Vice President JD Vance, who has been intimately involved in these negotiations, expressed a sharp warning to Israel not to jeopardize the deal and risk alienating Trump, their “only ally” left. Trump for his part is already hedging, saying “If it works out, I'm going to take the credit…If it doesn't work out, I'm blaming JD,” per CNN. A report in the Hill indicates that Republican Senators would largely oppose the deal if it were submitted for their approval, but given the increasing concentration of foreign policy powers in the executive branch, it is unlikely the Senate will even be consulted.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

It's Wednesday, June 17th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark European Christians faced 37 hate crimes in 11 countries Attacks against Christians in Europe surged last month. A report from the Observatory on Intolerance and Discrimination against Christians in Europe documented the incidents.  Christians faced 37 verified hate crimes in May across 11 European countries. These incidents included arson, vandalism, physical violence, theft, and disruption of worship services. Arson attacks against Christian properties were the highest on record this year. Germany saw the most anti-Christian hate crimes followed by Italy, France, Poland, and Ireland.  More Spanish Catholics leaving  the church A report from the Spanish government found the number of Catholics in the country is falling. Over 55 percent of the Spanish population identifies as Roman Catholic, down from 90 percent in the 1980s. Meanwhile, secularism is gaining in the historically Catholic country. Forty percent of the population identifies with no religion. Catholicism did see gains among young people. Forty-seven percent of people under 25 say they are Catholic, up from 31 percent in 2023. Oil prices dropped since Trump announced peace deal with Iran Oil prices fell to the lowest levels since March on Monday. This came after U.S. President Donald Trump announced a deal with Iran to end the war between the two countries.  Prices for Brent crude oil, the global benchmark, fell nearly four percent on Monday. West Texas Intermediate crude oil prices, the benchmark for North America, fell by over five percent.  Listen to comments from President Trump. TRUMP: “I think a lot of great things are going to happen in the Middle East right now. And very importantly, the oil is plummeting down, and the stock market is shooting up like a rocket today, like record kind of numbers. “The oil has taken its biggest plunge. And we're into the low numbers, not quite back yet, but we're getting close to the numbers we were before it all started. And the main thing is that Iran will not have a nuclear weapon. They fully agree to that.” 60 U.S. abortion mills closed since January 2025 Nearly 60 American abortion mills shut down since last January. The Trump administration withheld federal grant payments from 144 Planned Parenthood locations in 20 states last year. A report from the pro-abortion Kaiser Family Foundation found that 57 Planned Parenthood locations shut down over the last 18 months.  Churchgoing kids twice as likely to attend church as adults The Institute for Family Studies released a report entitled, “Passing The Torch: How Faith Moves Across Generations.” The study found that children from churchgoing families were twice as likely to attend church as adults compared to children from non-churchgoing families.  Healthy marriages also contributed to children practicing faith in adulthood.   Psalm 71:17-18 says, “O God, from my youth You have taught me, and I still proclaim Your wondrous deeds. So, even to old age and gray hairs, O God, do not forsake me, until I proclaim Your might to another generation, Your power to all those to come.” 58 percent approve of out-of-wedlock baby today vs. 70 percent in 2022 A new survey from Gallup found that Americans are becoming more conservative on certain social issues.  Eighty-three percent of U.S. adults believe birth control is morally acceptable. But that's down from a high of 92 percent in 2022. Fifty-eight percent believe having a baby outside of marriage is acceptable, down from 70 percent in 2022. And 49 percent support abortion, down from a high of 54 percent in 2024. German and Curaçao World Cup soccer players prayed together And finally, a recent World Cup game ended with players praying together on the pitch.  Over the weekend, the German national football team faced off against the team from Curaçao. The island nation in the Caribbean is the smallest nation to qualify for the World Cup.  Germany won handily with a score of seven to one. But that didn't stop players from both teams huddling together to pray after the game.  German midfielder Felix Nmecha said, “In the game we are opponents, but after the match we are all Christians and brothers. We simply said a little prayer together because we are all very grateful.” 1 Thessalonians 5:16-18 says, “Rejoice always, pray without ceasing, in everything give thanks; for this is the will of God in Christ Jesus for you.” Close And that's The Worldview on this Wednesday, June 17th, in the year of our Lord 2026. Subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Hosted by Michael Tetreault | Editor-in-Chief, Concierge Medicine Today Episode Overview In one of the most comprehensive episodes in DocPreneur Leadership Podcast history, host Michael Tetreault takes an honest, evidence-based, and encouraging look at the cash-pay and subscription-based primary care landscape — who it serves, how it works, where it's heading, and what every physician and advanced practice clinician needs to understand before making a career-defining decision. This episode doesn't take sides. It takes a clear-eyed look at the full picture — including the parts that don't always make it into the conference keynote. What's Covered in This Episode The Foundation Not all subscription-based primary care models are the same. Two models operating in this space share surface-level similarities but are structurally distinct businesses with different economic logic, different patient populations, and different long-term trajectories. Understanding which one you're considering — and why — changes everything about how you plan. A Lesson From Healthcare History Before committing to any practice model, it helps to understand what happened to the movements that came before it. This episode traces three instructive parallels: the micropractice and ideal medical practice movement of the early 2000s; the decades-long fight for healthcare price transparency and what happened when physicians finally got it; and the rise and reality check of retail health — what scaled, what didn't, and why. The common thread in every model that has achieved durable scale in American healthcare is the same: structural fit with the economic environment, not ideological purity. Two Pathways, One Brand Name The episode walks through both economic models in the cash-pay primary care space — the purist, cash-only, no-insurance model and the employer-integrated model — explaining how each works, who each serves, and what the financial picture actually looks like for physicians considering either path. The revenue math is done out loud. The sustainability data from peer-reviewed research is cited. The patient demographic fit for each model is examined honestly and specifically. Who Each Model Serves — and Where Other Models Fit Better A detailed breakdown of the patient populations each model genuinely serves well — and an honest, evidence-based look at the patient populations where other models may be a better structural fit. Including Medicare-eligible patients, patients with complex chronic disease, lower-income households, and employees of small and mid-sized businesses. The Overlooked Opportunity — NPs, PAs, and Advanced Practice Clinicians One of the most significant and underexplored opportunities in subscription-based healthcare delivery today is the direct-care model as a pathway for nurse practitioners, physician assistants, and other advanced practice clinicians. The evidence on NP and PA-led primary care outcomes is strong and peer-reviewed. The physician shortage projections make the need urgent. And the organizational infrastructure for advanced practice clinician-led direct-care practices is largely unbuilt — which means the opportunity belongs to whoever moves first. The Organizational Landscape An honest look at what the multiplicity of organizations, coalitions, and alliances in the cash-pay primary care space tells us — and what research on professional association dynamics says about the long-term implications of organizational fragmentation for legislative effectiveness and individual practice planning. One Brand, Two Directions Drawing on four documented historical parallels from the history of American medicine — the AMA and managed care, osteopathic medicine's identity divide, family medicine's emergence as a separate specialty, and the micropractice movement — the episode makes the case that two communities with genuinely different economic interests and regulatory priorities currently sharing a brand name may, consistent with historical precedent, find their own distinct professional homes over time. This is presented as pattern recognition grounded in verified historical evidence — and as practical planning context for physicians building practices today. The Tax and Structuring Update A clear, practical summary of the 2025 "One Big Beautiful Bill" Act changes — effective January 2026 — and what they mean for HSA eligibility of cash-pay membership fees. What qualifies, what doesn't, and why legal counsel is essential before making any representations to patients about tax-advantaged payment options. Eight Questions Before You Commit A practical pre-decision checklist — eight specific questions every physician or advanced practice clinician should be able to answer clearly before committing to any cash-pay practice pathway. Key Takeaways Cash-pay primary care and concierge medicine are not the same model, do not serve the same patient populations, and should not be evaluated as interchangeable alternatives. The purist cash-pay model has grown from approximately 100 practices in 2009 to over 2,100 by 2023 — real and meaningful growth. The financial sustainability data, however, reflects consistent challenges that peer-reviewed research has documented specifically in lower-income markets and solo practice settings. The employer-integrated pathway has stronger structural sustainability — multiple revenue streams, embedded benefit relationships, and documented employer cost reductions of 12 to 20 percent over three to five years. A December 2025 Johns Hopkins study found concierge and cash-pay primary care practices combined grew 83.1 percent between 2018 and 2023. The employer-integrated model is the primary driver of that growth trajectory. Concierge medicine — particularly the PCM model — is not retreating. The global concierge medicine market is projected to surpass $34 billion by 2032 and is growing at a compound annual rate that outpaces most healthcare market segments. The National Academy of Medicine's 2021 Future of Nursing report, AAMC physician shortage projections, and peer-reviewed NP/PA outcomes research collectively point to advanced practice clinician-led direct-care models as one of the most significant underexplored opportunities in subscription-based healthcare delivery. Pattern recognition from healthcare history — price transparency, retail health, the micropractice movement — consistently shows that the distance between a compelling healthcare idea and durable scaled impact is longer and more complicated than early advocacy suggests. Models that have achieved durable scale in American primary care share one characteristic: structural fit with the economic environment, not independence from it. Sources and Citations All claims in this episode are supported by published, verifiable sources. Full citations below. Micropractice and Practice Model History Moore, G. (2002). "Accountability and Improvement in Physician Practice." Family Medicine. Moore, G. & Showstack, J. (2003). "Primary Care Medicine in Crisis." Health Affairs. healthaffairs.org AAFP TransforMED Initiative. (2006). aafp.org Nutting, P.A. et al. (2010). "Initial Lessons From the First National Demonstration Project on Practice Transformation to a Patient-Centered Medical Home." Annals of Family Medicine. Rittenhouse, D.R. et al. (2009). "Primary Care and Accountable Care." New England Journal of Medicine. Rittenhouse, D.R. & Shortell, S.M. (2009). "The Patient-Centered Medical Home." JAMA. Price Transparency Research Pathak, Y. & Muhlestein, D. (2024). "Public Awareness and Use of Price Transparency: Report From a National Survey." West Health Institute / Gallup. pmc.ncbi.nlm.nih.gov Parente, S.T. (2023). "Estimating the Impact of New Health Price Transparency Policies." Inquiry.pmc.ncbi.nlm.nih.gov ScienceDirect. (2025). "Outcomes of Price Transparency Policies for Healthcare Services in the United States: A Systematic Review." sciencedirect.com Retail Health Fein, A.J. (2017). "Retail Clinic Check Up: CVS Retrenches, Walgreens Outsources, Kroger Expands." Drug Channels. drugchannels.net CNBC. (2024). "Why Walmart, Walgreens, CVS Retail Health Clinic Experiment Is Struggling." cnbc.com Healthcare Finance News. (2023). "Retail Clinics Seeing Utilization Soar, Popularity Grow." healthcarefinancenews.com MedCity News. (2023). "Retail Clinics Are Gaining Momentum." medcitynews.com Cash-Pay and Subscription Primary Care Market Data MedCity News. (March 2026). "DPC Is Scaling — The Financing Architecture Isn't Ready." medcitynews.com Johns Hopkins. (December 2025). Study on concierge and cash-pay practice growth 2018–2023. As cited in MedCity News, March 2026. Liaw, W. et al. (2024). "Direct Primary Care: Financial Analysis and Potential to Reshape the U.S. Healthcare Landscape." Journal of General Internal Medicine. springer.com Lujan, D.Y. (2025). "Why Direct Primary Care Models Fail." KevinMD. kevinmd.com Doan, L. et al. (2019). "Physician Perspectives on Direct Primary Care." Family Medicine. Eskew, P.M. & Klink, K. (2015). "Direct Primary Care: Practice Distribution and Cost Across the Nation." Health Affairs. healthaffairs.org Tseng, P. et al. (2018). "Administrative Costs Associated With Physician Billing and Insurance-Related Activities." JAMA Internal Medicine. Medscape Physician Compensation Report. (2023). medscape.com Employer-Integrated Model Spann, S.J. et al. (2020). "Employer-Sponsored Direct Primary Care." Journal of Occupational and Environmental Medicine. National Alliance of Healthcare Purchaser Coalitions. (2021). purchaseralliance.org Kaiser Family Foundation. (2023). Employer Health Benefits Annual Survey. kff.org National Business Group on Health. (2022). businessgrouphealth.org Employers Health Coalition. (2022). employershealthcoalition.org Patient Demographics and Population Health Anderson, G.F. (2010). "Chronic Conditions: Making the Case for Ongoing Care." Johns Hopkins Bloomberg School of Public Health. Tikkanen, R. & Abrams, M.K. (2020). "U.S. Health Care from a Global Perspective." Commonwealth Fund.commonwealthfund.org Collins, S.R. et al. (2022). "Paying for It: How Health Insurance and Healthcare Costs Are Shaping the Lives of American Adults." Commonwealth Fund. commonwealthfund.org Bureau of Labor Statistics. (2023). "Contingent and Alternative Employment Arrangements." bls.gov Petterson, S. et al. (2012). "Unequal Distribution of the U.S. Primary Care Workforce." Annals of Family Medicine. Advanced Practice Clinicians and Nursing Laurant, M. et al. (2019). "Revision of Professional Roles and Quality Improvement in Primary Care." New England Journal of Medicine. Naylor, M.D. & Kurtzman, E.T. (2010). "The Role of Nurse Practitioners in Reinventing Primary Care." Health Affairs. healthaffairs.org National Academy of Medicine. (2021). "The Future of Nursing 2020–2030." nationalacademies.org AAMC. (2021). "The Complexities of Physician Supply and Demand: Projections from 2019–2034." aamc.org Legal, Tax, and Compliance Eischen, J. (2025). Legal Commentary on Cash Practice Structuring. eischenlawoffice.com DLA Piper. (2025). "Paying for Direct Primary Care Arrangements With HSAs." dlapiper.com IRS Notice 26-05. irs.gov CMS. "Opt-Out Affidavits and Private Contracts." cms.gov Organizational and Professional Identity Research Hoff, T.J. (2010). Practice Under Pressure: Primary Care Physicians and Their Medicine in the Twenty-First Century. Rutgers University Press. Scott, W.R. (2008). Institutions and Organizations: Ideas and Interests. SAGE Publications. Freidson, E. (2001). Professionalism: The Third Logic. University of Chicago Press. Wolinsky, H. & Brune, T. (1994). The Serpent on the Staff: The Unhealthy Politics of the American Medical Association. Putnam. Gevitz, N. (2004). The DOs: Osteopathic Medicine in America. Johns Hopkins University Press. Stephens, G.G. (1989). "Family Medicine as Counterculture." Journal of Family Practice. Colwill, J.M. (1992). "Where Have All the Primary Care Applicants Gone?" New England Journal of Medicine. Meltzer, D.O. & Chung, J.W. (2014). "The Population-Based Physician Workforce." Health Affairs.healthaffairs.org Bodenheimer, T. & Pham, H.H. (2010). "Primary Care: Current Problems and Proposed Solutions." Health Affairs. healthaffairs.org Grumbach, K. & Grundy, P. (2010). "Outcomes of Implementing Patient Centered Medical Home Interventions." JAMA. Concierge Medicine Market Data Grand View Research. (2022). Concierge Medicine Market Size & Growth Report. grandviewresearch.com Precedence Research. (2023). U.S. Concierge Medicine Market Size and Forecast. globenewswire.com MDVIP. (2020). Personalized Primary Care Reduces ER Visits, Hospitalizations, and Outpatient Expenditures.mdvip.com AAPP / Software Advice. (2023). "Concierge Medicine Salary and Definition." softwareadvice.com Disclaimer The DocPreneur Leadership Podcast is produced by Concierge Medicine Today, LLC, an independent healthcare leadership publication. This episode and its accompanying summary are intended for educational and informational purposes only. Nothing in this episode or summary constitutes medical, legal, financial, or accounting advice. The information presented reflects publicly available research, published data, and editorial observation, and is not intended to replace the guidance of qualified medical, legal, financial, or business professionals. All factual claims are supported by named, verifiable third-party sources, which are cited in full above. Concierge Medicine Today makes no guarantee regarding the completeness or currency of external sources cited and encourages listeners to verify information independently. References to specific organizations, publications, legal decisions, or market data are provided for educational context only. Mention of any organization, publication, or individual does not constitute endorsement, and no commercial relationship exists between Concierge Medicine Today and any source cited in this episode unless otherwise disclosed. Physicians, nurse practitioners, physician assistants, and other clinicians considering any practice model change are strongly encouraged to seek qualified legal counsel with specific experience in healthcare compliance, tax structuring, and the applicable regulatory environment in their state before making any practice or business decisions. © 2007–2026 Concierge Medicine Today, LLC. All rights reserved. Reproduction or distribution of this content without written permission is prohibited.

We welcome Peter Rickman, president of the Milwaukee Service and Hospitality Union (MASH) to discuss the union's big organizing victory this week at Landmark Theater in Milwaukee, the rapid growth of the union, and the union's commitment to the Living Wage Coalition pushing for a $20 minimum wage bill. We take a dive into new national polling by the Kaiser Family Foundation showing health care cost is a dominant election issue in 2026, even for Republicans and treasured independent and swing voters. Seventy-two percent of Democrats, 63% of independents and 47% of Republicans said the cost of healthcare will have a major impact on which party's candidate they will support. Robert updates us on the continued fight for a BadgerCare Public Option and the grassroots leaders and legislative champions making it happen. We also highlight the dysfunction of our health care system, as evidenced by news this week that Ascension Wisconsin now has tele-ICUs at some hospitals… that's right, no ICU doctors on-site! We close with the scandalous news that more massive “hyperscale” data centers are coming to Wisconsin, according to the head of WEC (the parent company of WE Energies and WPS), who arrogantly bragged at a recent shareholders meeting about the boon it will be to their windfall profits. This is only happening because Wisconsin state political leaders green lighted data center development with huge tax giveaways ($2 billion and counting) while failing to pass any guardrails to protect the climate, rate payers, and public health.

Grandparents for Vaccines is a nationwide nonprofit that aims to educate the current generation of parents about vaccine-preventable diseases. Launched in September 2025, the group has produced videos of grandparents describing what it was like to endure or witness their friends, classmates and relatives battle illnesses such as polio, measles and pertussis before vaccines for them existed. The group’s launch comes amid rising vaccine skepticism fueled by misinformation about the safety and efficacy of vaccines. A recent poll by the Kaiser Family Foundation and The Washington Post showed that 1 in 6 parents in the US have delayed or skipped vaccines for their children. Teri Mills is a founding member of Grandparents for Vaccines and a retired public health nurse who was named "Oregon Nurse of the Year" in 2019 by the Oregon Nurse Foundation. We listen back to a conversation we first aired on Nov. 19, 2025 with Mills and Sheri Schouten, a retired public health nurse and former Oregon state lawmaker, to hear their work with Grandparents for Vaccines.

We need to decide if we're going to make our own care decisions when we can no longer live alone or independantly. Or are we going to leave those decisions to a governement employee who must follow whatever the current government decides is approved for your care. Medicaid is being gutted, so please don't believe that you can rely on that at your most critial time in life. Please check out the links below and then schedule with me to start designing your plan so you can be prepared for whatever tomorrow brings your way. Kaiser Family Foundation 10 things about Medicaid long term care services and support https://www.kff.org/medicaid/10-things-about-long-term-services-and-supports-ltss/ AARP Nursing home staffing mandate delayed https://www.aarp.org/advocacy/one-big-beautiful-bill-nursing-homes/ University of Pennsylvania letter to Elizabeth Warren Univ of PA letter Schedule to learn more and design your plan My calendar

In this episode of Healthcare Happy Hour, host David Saltzman sits down with Lunna Lopez, senior survey manager at the Kaiser Family Foundation, to examine how rising healthcare costs are affecting consumers' insurance decisions and overall financial well-being. Drawing on recent KFF survey data, they explore how increases in premiums, deductibles, and out-of-pocket costs are forcing many marketplace enrollees to make difficult trade-offs—such as cutting back on basic household expenses or dropping coverage altogether. The conversation highlights the emotional toll of navigating coverage decisions, including widespread feelings of stress, confusion, and frustration, and discusses how affordability challenges may influence consumer behavior, market stability, and broader policy and voting dynamics.

Right now, Americans are feeling the strain as health care costs climb and coverage becomes harder to secure. With enhanced Affordable Care Act subsidies now expired, many are seeing higher monthly premiums, greater out-of-pocket responsibility, and stricter eligibility requirements.Business Insider reports that enrollment has dropped in multiple states, forcing many families to change or even drop their coverage. In addition, the Kaiser Family Foundation warns that these shifts are putting added financial pressure on households.With higher costs and fewer insurance options, many people are rethinking how they manage their health this spring and summer. These seasons are traditionally focused on preventive care, allergy management, immune health, travel wellness, heat-related risks, and back-to-school preparation. This year, routine visits are being delayed or skipped, leaving many to turn to self-care and natural health options, often without clear guidance on what is safe and effective.Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

Right now, Americans are feeling the strain as health care costs climb and coverage becomes harder to secure. With enhanced Affordable Care Act subsidies now expired, many are seeing higher monthly premiums, greater out-of-pocket responsibility, and stricter eligibility requirements.Business Insider reports that enrollment has dropped in multiple states, forcing many families to change or even drop their coverage. In addition, the Kaiser Family Foundation warns that these shifts are putting added financial pressure on households.With higher costs and fewer insurance options, many people are rethinking how they manage their health this spring and summer. These seasons are traditionally focused on preventive care, allergy management, immune health, travel wellness, heat-related risks, and back-to-school preparation. This year, routine visits are being delayed or skipped, leaving many to turn to self-care and natural health options, often without clear guidance on what is safe and effective.Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-like-it-s-live--4113802/support.

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Grandparents for Vaccines is a nationwide nonprofit that aims to educate the current generation of parents about vaccine-preventable diseases. Launched in September, the group has produced videos of grandparents describing what it was like to endure or witness their friends, classmates and relatives battle illnesses such as polio, measles and pertussis before vaccines for them existed.   The group’s launch comes amid rising vaccine skepticism fueled by misinformation about the safety and efficacy of vaccines.  A recent poll by the Kaiser Family Foundation and The Washington Post showed that 1 in 6 parents in the US have delayed or skipped vaccines for their children. Teri Mills is a founding member of Grandparents for Vaccines and a retired public health nurse who was named "Oregon Nurse of the Year" in 2019 by the Oregon Nurse Foundation. She joins us along with Sheri Schouten, a retired public health nurse and former Oregon state lawmaker, to talk about their work with Grandparents for Vaccines.  

Kevin covered the following stories: the National Retail Federation projects Holiday spending; data from GenLogs drive Trucking industry confidence; the National Federation of Independent Business released their October Small Business Optimism Index; KFF, formerly known as The Kaiser Family Foundation, released their Annual Health Benefits Survey; Kevin has the details; sifts through the data, puts the information into historical perspective, offers his insights and a few opinions along the way.See omnystudio.com/listener for privacy information.

Kevin covered the following stories: the National Retail Federation projects Holiday spending; data from GenLogs drive Trucking industry confidence; the National Federation of Independent Business released their October Small Business Optimism Index; KFF, formerly known as The Kaiser Family Foundation, released their Annual Health Benefits Survey; Kevin has the details; sifts through the data, puts the information into historical perspective, offers his insights and a few opinions along the way.

Kevin covered the following stories: the National Retail Federation projects Holiday spending; data from GenLogs drive Trucking industry confidence; the National Federation of Independent Business released their October Small Business Optimism Index; KFF, formerly known as The Kaiser Family Foundation, released their Annual Health Benefits Survey; Kevin has the details; sifts through the data, puts the information into historical perspective, offers his insights and a few opinions along the way.

Thirty-two people, including veterans and community members, gathered at Veterans Memorial Park in Fairbanks for an event put on by the Alaska Peace Center celebrating Armistice Day and stressing what they call the original meaning of the day, a call for peace. Alaska veterans are leaving millions of dollars in earned benefits unclaimed, with only half of eligible service members receiving compensation they’ve earned, according to state officials. For nearly 28,000 Alaska residents, their healthcare costs could skyrocket if Congress fails to extend federal subsidies that expire in December, with some families potentially paying more than half their income for insurance, according to data from the Kaiser Family Foundation and Alaska’s Division of Insurance.

An opinion brief, on defining and messaging urban design's healthcare-equivalent issue. Democrats are centering the current government shutdown showdown around a salient issue: healthcare. It's a smart framework, as the issue has long been a winner for them, and it benefits large swathes of folks across the political aisle. We need to do a better job of strategizing our shorthand, and communicating accordingly. Timeline:00:00 The urbanist wish list.00:33 Strategy.01:29 Lessons from the current government shutdown.02:24 Why healthcare works.04:09 Finding a shorthand - safe cities for kids.05:08 What's our healthcare?05:41 Designing and planning for kids.06:35 The Bike Bus precedents, and safe streets for kids.07:29 Nostalgia and the long-term play.08:10 Plugging into mainstream conversations, such as The Anxious Generation.09:17 Wrapping up.For context:ACA enrollee data (Kaiser Family Foundation).

Sen. Patty Murray, D-Wash., issued a warning from the Senate floor as the government shutdown reached its seventh day, saying that families nationwide could see health care premiums more than double if tax credits expire. A Kaiser Family Foundation report estimates some states could face increases over 300%. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sen. Patty Murray, D-Wash., issued a warning from the Senate floor as the government shutdown reached its seventh day, saying that families nationwide could see health care premiums more than double if tax credits expire. A Kaiser Family Foundation report estimates some states could face increases over 300%. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

On today's episode of the podcast I'm breaking down the good, the bad and the ugly of the Big Beautiful Bill and how it impacts small business owners. The “Big Beautiful Bill” passed in July. Trump and the right are calling it a game-changer for small businesses and working families. On the surface, there are a few provisions worth celebrating. But as always, the devil is in the details. Much of the bill's benefit flows upward, not into the hands of true small business owners, freelancers, or everyday entrepreneurs. Let's break it down. The “Good” (At First Glance) There are some shiny pieces in the bill that sound great: Bigger Deduction for Pass-ThroughsOwners of LLCs, sole proprietorships, and S-corps now qualify for a 23% deduction on pass-through income (up from 20%). If you're already making decent money, this can cut your tax bill. If you're curious how this deduction works, I discuss that towards the end of Chapter 4 in the Unf*ck Your Biz book. No Tax on Tips & Overtime (for a while)Tipped income up to $25,000 and overtime pay up to $12,500 can be excluded from taxes between 2025–2028, as long as you fall under certain income thresholds. That's a temporary boost for some service workers. This is a tricky provision that will save some folks some minor taxes. Child Tax Credit BumpFamilies get a small, temporary increase in the Child Tax Credit, nudging it upward by $200. However, the bill also introduced stricter eligibility requirements. To claim the credit, both the taxpayer and the qualifying child must have valid Social Security numbers. This change could exclude millions of children from receiving the credit, particularly affecting low-income families Permanent Expensing for Equipment Businesses can now permanently write off the full cost of qualifying equipment in the year they buy it (100% Section 179 expensing). That's useful if you're investing in new tools, tech, or machinery. Estate & Gift Tax BreaksFamily-owned businesses and farms get higher exemptions from estate and gift taxes, making it easier to transfer assets to the next generation without a huge IRS bill. This expands, once again, tax breaks for the ultra wealthy as the first $13.61 million was already excluded. The “Not So Beautiful” Reality While the headlines sound fabulous, here's what's lurking beneath: Temporary Gimmicks The no-tax-on-tips and overtime breaks expire after 2028. Same with the boosted child credit. They'll feel good for a few years, but unless Congress acts again, they vanish. Skewed Toward the WealthyAccording to the Tax Policy Center, 60% of the tax cuts in the bill would go to the top 20% of households, with more than one-third benefiting those making $460,000 or more. In contrast, the lowest-income 20% would see a tax cut of less than 1%, or about $160 on average, and including the loss of some Affordable Care Act health insurance premium subsidies, their net tax cut would fall to only about $60. Additionally, the Congressional Budget Office (CBO) estimates that the top 10% of earners would see incomes rise by 2.7% by 2034 mainly due to tax cuts, while the lowest 10% would see incomes fall by 3.1% due to cuts to programs such as Medicaid and food aid. These analyses highlight the disproportionate distribution of tax benefits, with higher earners receiving significantly more substantial cuts compared to lower-income households. Cuts Elsewhere to Pay for ItTo offset revenue loss, the bill guts key credits for clean energy and electric vehicles—areas where many small businesses and families were saving money. At the same time, it sets the stage for future cuts to social programs like Medicaid and SNAP that working families actually rely on. Deficit ExplosionThe Congressional Budget Office projects this will blow up the federal deficit. And history tells us that when deficits balloon, lawmakers often come for small business programs or the social safety net next. Complexity Creeps InPoliticians called this “simplification,” but the IRS and tax pros now face a mountain of changes to implement. For many small business owners, that means more time with your accountant and more money out of your pocket just to stay compliant. Health Insurance & Medicaid: The Coverage Cliff If you or your team rely on the ACA marketplace, brace yourself: the enhanced premium tax credits that made health insurance more affordable are set to expire at the end of 2025. That means monthly premiums could skyrocket. A 60-year-old couple earning $85,000 could see their annual premium jump from around $7,000 to over $22,000 (Kaiser Family Foundation). On the Medicaid side, the bill makes deep cuts—hundreds of billions of dollars over the next decade. It also reintroduces work-reporting requirements and forces enrollees to reverify eligibility every six months starting in 2027. Millions of people will fall through the cracks, not because they don't qualify, but because the paperwork is too complex or because they lose hours at work. For small businesses, this means: Higher costs if you cover employees. Less stable coverage for staff and contractors. Communities with more uninsured neighbors, which ultimately hurts local economies. The Bigger Picture The bill is marketed as “beautiful” because it offers short-term tax cuts and shiny perks. But it comes with a long-term price tag: exploding deficits, weakened safety nets, and higher health costs for millions. History shows us what comes next: calls for even deeper cuts to programs small business owners actually rely on, like SBA loans, workforce training, and infrastructure. So yes, you might get a slightly bigger deduction today. But tomorrow? You're looking at higher health premiums, fewer community supports, and a more fragile economy to build your business in. That's not so beautiful. My jaded take. Republicans have a tendency to cut programs that make real differences in people's lives, they phase out health care assistance, cut medicaid, and act in favor of large corporations. But then they will throw us all an extra $200 tax credit, send it with a check with Trump's signature. Maybe if we're lucky, we will get a Trump commemorative coin, a hat, or a box of steaks. Wooo. They rely on us remembering the simple things and forgetting about or not understanding the more complex laws they passed that furthers the wealth divide and makes life harder for almost everyone. As always, stay informed, keep your tax pro close, and don't buy the spin just because it comes with a flashy name.

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. Check out the Organ Transplant Surveillance Dashboard: https://tableau.hdw.hrsa.gov/t/HDW/views/AOOS-NonUseDashboard/AOOS-NonUseDashboard?%3Aembed=y Read the study on urban hospitals reclassifying as rural: https://publichealth.jhu.edu/2025/urban-hospitals-increasingly-reclassified-as-rural News sources for this episode: Diane Eastabrook, “Home health groups press for a piece of rural health funding,” September 2, 2025, https://www.modernhealthcare.com/post-acute-care/mh-rural-health-transformation-fund-home-health/, Modern Healthcare. National Rural Health Association, “Rural Health Transformation Program Summary,” https://www.ruralhealth.us/nationalruralhealth/media/documents/advocacy/2025/rural-health-transformation-program-summary.pdf Lindsey Culli,  “Urban Hospitals Increasingly Reclassified as Rural, Drawing Medicare Benefits Meant for Rural Communities,” August 1, 2025, https://publichealth.jhu.edu/2025/urban-hospitals-increasingly-reclassified-as-rural, Johns Hopkins Bloomberg School of Public Health. Yang Wang et. al, “Sharp Rise In Urban Hospitals With Rural Status In Medicare, 2017-23,” August 4, 2025, https://www.healthaffairs.org/doi/abs/10.1377/hlthaff.2025.00019?journalCode=hlthaff, Health Affairs.  Jamie Godwin et, al, “Medicare Advantage Enrollees Account for 25% of all Inpatient Hospital Days,” August 26, 2025, https://www.kff.org/medicare/medicare-advantage-enrollees-account-for-a-rising-share-of-inpatient-hospital-days/, Kaiser Family Foundation.  Arielle Zionts, “Rural Hospitals Questions Whether They Can Afford Medicare Advantage Contracts,” April 8, 2025, https://kffhealthnews.org/news/article/rural-hospitals-private-medicare-advantage-contracts-reimbursements/, KFF Health News.  Madeline Ashley, “20 hospital closures in 2025,” August 25, 2025, https://www.beckershospitalreview.com/finance/2-hospital-closures-in-2025/, Becker's Hospital Review.  Paige Twenter, “HHS expands oversight into organ transplant network,” August 29, 2025, https://www.beckershospitalreview.com/quality/patient-safety-outcomes/hhs-expands-oversight-into-organ-transplant-network/, Becker's Clinical Leadership. U.S. Department of Health and Human Services, “HHS Expands Oversight of Organ Transplant System with New Surveillance Tool,” August 27, 2025, https://www.hhs.gov/press-room/hrsa-organ-allocation-dashboard.html.  Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. Watch the prosthetic knee in action here: https://youtu.be/ZQCVmuirYSI?si=kFp0VCUwyVvEt1jq News sources for this episode: Madeline Ashley, Erica Cerutti, “CDC names acting director: 7 notes,” August 28, 2025, https://www.beckershospitalreview.com/hospital-management-administration/cdc-names-acting-director-7-notes/, Becker's Hospital Review. Lauren Dubinsky, “Alphabet's Verily shuts down medical devices program, cuts staff,” August 28, 2025, https://www.modernhealthcare.com/medical-devices/mh-alphabet-verily-layoffs-medical-devices-ai/, Modern Healthcare. Kirsti Marohn, “Health care provider CentraCare to lay off 535 employees,” August 12, 2025, https://www.mprnews.org/story/2025/08/12/health-care-provider-centracare-to-lay-off-535-employees, MPR News.  Jakob Emerson, “27 payers cutting jobs | 2025,” August 20, 2025, https://www.beckerspayer.com/workforce/5-payers-cutting-jobs-2025/, Becker's Payer Issues. Tom Murphy, “Expect health insurance prices to rise next year, brokers and experts say,” https://apnews.com/article/health-insurance-drug-costs-2026-rates-c4d865ec09c7088ecc6b55dc520f3566, Associated Press.  Becker's Hospital Review, Commerce Bank, “Progress amid uncertainty: A mid-year update on 2025 healthcare finance trends.,” August 18, 2025, https://www.beckershospitalreview.com/finance/progress-amid-uncertainty-a-mid-year-update-on-2025-healthcare-finance-trends/?origin=CFOE&utm_source=CFOE&utm_medium=email&utm_content=newsletter&oly_enc_id=8018I7467278H7C.  Alice Burns et. al, “How Will the 2025 Reconciliation Law Affect the Uninsured Rate in Each State?,” August 20, 2025, https://www.kff.org/uninsured/how-will-the-2025-reconciliation-law-affect-the-uninsured-rate-in-each-state/, Kaiser Family Foundation. NIH Medline Plus Magazine, “Prosthetics through the ages,” May 11, 2023, https://magazine.medlineplus.gov/article/prosthetics-through-the-ages.  Andy Corbley, “This New Bionic Knee Is Changing the Game for Lower Leg Amputees,” August 21, 2025, https://www.goodnewsnetwork.org/this-new-bionic-knee-is-changing-the-game-for-lower-leg-amputees/, Good News Network. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

On this episode of "The Founder's Sandbox", Brenda speaks with Donovan Ryckis; CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in mid- -large market employers. Ethos Benefits was founded in 2016, after a chance request from a client of Donovan when he operated as a financial advisor--the client was faced with an increase in the companies' health insurance bill for the companies' employee plan that would have had a financial burden that threatened the sustainability of the company.   ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose.   Through Donovan's origin story we will have our eyes opened as business owners to the potential risks of employer sponsored healthcare plans and how to mitigate these risks. You can find out more about Donovan and Ethos at: www.linkedin.com/in/donovanryckis Upcoming master class on August 14th https://ethosbenefits.com/ https://businessofbenefitspodcast.com/ For a limited time only access the documentary: It's not personal, it's just  healthcare. https://ethosbenefits.com/documentary/     Transcript:  00:04 Welcome back to the Founder's Sandbox. I am Brenda McCabe, your host on this monthly podcast. It reaches  business owners and entrepreneurs who learn about building resilient, scalable, and 00:32 purpose-driven companies, all with great corporate governance. I am Brenda McCabe, and I am your host. And the guests that come to the podcast are not only those founders and business owners who are sharing their experiences, but also corporate directors,  investors,  and professional service providers who, like me, want to use the power of the private enterprise, small, medium, and large, to create change for a better world. 01:00 Through storytelling here and a recreated  sandbox,  my goal is to equip  one startup founder or one business owner at a time to build a better world through great corporate governance. Today, my guest is Donovan Rikas.  He is joining the podcast as CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in the mid to large market employer space. 01:29 So I'm absolutely delighted to bring in a professional service provider in  the employer benefits area, which  we're going to  unpeel  this  sector  today in the podcast. it's fascinating. So thank you, Donovan, for joining me today. Thank you, Brenda. Thanks for having me. Excellent. So  the company you and Chelsea, your wife and president of Ethos Benefits, 01:59 was founded in 2016, which wasn't that  long ago.  But it happened serendipitously.  You got a chance request because at that time, you were a financial advisor, right? Yes. When  your client was faced with an increase  in the company's health insurance bill for their employee plan,  pardon me, that would have had such a financial burden,  it would have threatened the sustainability of 02:27 the company and that's your client. So what did you do Donovan? What was the origin  of Ethos Benefits? Thank you. Yeah, so that's exactly right. I started as a financial advisor.  So Ethos Benefits was formerly a registered investment advisory, which was Jay Donovan Financial.  And one of the interesting things that are a little bit different on the security side versus the insurance world is 02:56 the ability to  license and designate yourself as a fiduciary advisor to your clients.  So that's really important and that's kind of where we started as financial advisors. So that essentially means that you're not gonna be commission-based with variable commissions based on what you wanna sell and the client doesn't really understand, right? You're gonna be  transparent with how you earn any compensation. 03:23 and you're not gonna have any conflicts of interest that might change  the recommendations or advice that you're giving them. So it's gonna be flat fee and you get to work with them directly instead of working for the financial institutions and the insurance companies kind of in the background that are actually the ones incentivizing. Cause  it's this odd relationship where it's like you think the financial advisor is working for you but they're actually incentivized by the institutions  that they're representing. Very important clarification because we do have a question 03:53 further on, which is, you know, what, what, how does the 401k management, right about employers 401 plan, mirror that of healthcare benefits? Yeah, for sure. You'll start to see some of those. So that's how we're working as financial advisors. And that's an important distinction as we get into an explanation of 04:22 the whole healthcare industry and how that works. So you're exactly right. I was working as a financial advisor, working with business owners  because they had more kind of complicated planning and tax structures and things that I could do to really make a difference.  And what I realized is when most of them had commission-based advisors, they'd rush to sell a product, mutual funds  with upfront loads and REITs that had  proprietary commissions and all this kind of stuff. And then they would leave without worrying about any of the 04:52 tax consequences,  you know, islets or trusts or even wills, right? Like all these extra things that business owners needed to set up their own personal wealth, but also their company, their 401k, maybe combining a defined benefit plan. So that was kind of the niche I chose.  And it was incredibly lucrative. I loved it.  Was doing exactly what I wanted to do until that client kind of asked me for that help, like you alluded to. 05:21 And it was 40 % increase on his health insurance. He said, my broker says, this is it. There is nothing else. Can you help? And I didn't know any idea. Like I had no idea about health insurance or what I do. But yeah, just- No, no. problem. 05:39 And certainly as a financial advisor, it kind of seemed like going backwards and beneath me. didn't really want to do it, but I was like, I could hear the panic in his voice. And I was like, yeah, absolutely. Just send me everything you have. And after about three weeks, basically making as many connections in the industry and learning as much as I could and trying different things, we basically mitigated that increase entirely. 06:05 And he actually came three points under where he was currently today before that increase. And we didn't take away any benefits from employees. We didn't put them in smaller  HMO networks. We didn't increase deductibles or increase their premiums. None of the usual tricks.  So this was a like for like solution. We actually improved the plan a bit and came in under.  And it really made me realize in that moment, it wasn't my experience or my education or my smarts that 06:34 may be able to do this,  it was a lack of conflicts  in compensation and incentives,  right? Because his broker does about $7 billion a year annually.  I didn't come in with more market knowledge, leverage, or experience. I just didn't have conflicts of interest and compensation. That's what  started me down this path.  And  back then,  you hadn't yet  created Ethos Benefits with that name. 07:03 So when I did a little bit of research,  I couldn't have been more delighted that you actually reached out to to be featured on the founder sandbox because of two reasons, you the word fiduciary, right?  It was in  your basically your call to action, right? Or your or the definition of company. So,  you know, you  are  the governance of a company goes way beyond making a profit for shareholders. 07:32 the duty of care, the duty of loyalty and the duty of obedience is really the underpinning elements of  fiduciary duty. And on your website, you say our ethos is simple fiduciary first. So we're going to appeal that in here in a minute here. So act in the best interest of those we serve,  no matter the cost. You also on the website,  you you had a purpose ethos represents the guiding principle. 08:01 character or spirit of an organization or a person is the why that drives decision making and feels purpose. So I,  I looked like I was reading what next act advisors may consult a firm is about is just really finding those purpose driven. So  with that, I wanted to just, you know, ask you,  what was that you had that first client that first aha moment, and 08:29 How long did it take you and did when did you realize that this could be a a career change for you, right? Rather than a financial advisor, you were actually actually a health care benefits advisor, right? Yeah, I mean, I think I think the first moment is, you know, being being a financial advisor was very lucrative. And I like the people I was working with. I liked working with entrepreneurs and business owners and and, you know, just 08:58 I found them inspiring and I was curious about the things they're doing. And  I think that kind of lifts everybody up when you keep a circle like that, right? Like you  push yourself harder, you learn, educate and do different things.  So I love the clients I was working with. Like I said,  maybe  working on personal wealth for individuals though, isn't the most rewarding thing you could be doing. seeing that... 09:25 Don't get me wrong, I was paid well enough. It would have took me a long time to figure out that it wasn't very personally fulfilling.  But seeing that first case, mean, the first thing I did when I got that successful proposal back, before I presented it to the clients is I was looking at the math  of what does this cost? What difference does this make per paycheck to all the individuals in this planet? And then I'd look at somebody, my God, this person's got a wife and two kids. Look at the difference in premium there. 09:54 I was calculating my work in return to the average American worker and realizing like me putting myself aside to  proactively, strategically go after this problem instead of making a decision for my own personal commission, looking at how much that impacted everybody. And that was powerful. 10:20 I'm going on 20 years in financial services and every aspect of it, I've seen people who prioritize commissions over, you know, a better product, a better outcome for an individual. But the idea that that could be done on scale to where you're now making that decision for yourself over 200, 500, 2000, 3000 employees, like that's pretty disgusting, right? So seeing that that kind of impact could be made. 10:49 I mean, it was  it was really not a question after that I knew I was transitioning my business. Excellent. Excellent. So  my own path  after 25 years in Europe  was quite an eye opening experience when I came back to the United States, I am a US citizen, but I had to get you know, I've been working for myself and I had to get self insured. So  I got back this is like 11:18 12 years ago, I got the Affordable Care Act for dummies from my local library.  I had not yet transferred my tax certification to the United States takes quite a few years when you've been gone so long.  So you because you do have to sub venture tax returns and all that. And then  I ran into I met Marshall Allen, the author of never pay the first bill and the other ways to fight the healthcare system and when 11:46 Marshall Allen actually spoke at  a graduate or alumni event of University Chicago. And  I was, you know, reading these books. And you know, eventually,  I got my own broker to help me get onto the exchange. But it every year has been  an experience.  I'm fortunate to be part of a  membership organization through which  for small  and medium sized businesses and I get  PPO through 12:14 I won't mention names, but  I was  blessed because just  and I'm 12 years in the United States, you have to knock on a lot of doors to actually get health care when you are a small business  owner  and really  understand what  you are paying for,  not only your premiums of what are the services  that are provided. So can you talk about  the average 12:44 premium for a family of four and some of the  numbers that you discovered  and believe  we as a country could actually improve  on the outcomes, healthcare outcomes with the actual spend we have today, right? Yeah, we're getting the numbers are pretty wild. mean, I feel like we're really kind of getting to a breaking point with it.  You know, 13:12 For what I work on, employer-sponsored healthcare, 186 million Americans are covered under employer-sponsored healthcare plan. These plans can average increases anywhere from seven to 10 % annually. We see a lot of reports that come out that kind of measure these things. Kaiser Family Foundation does one, Milliman Index is another one. So there's a lot of studies that kind of measure this annually and changes for employers across the board. 13:41 What we saw this year for 2025 was the average cost for a family of four under employer sponsored health care plan is $35,119, which is just an astonishing number. That is unaffordable for an employer. That's unaffordable for an employee. And it's unaffordable for them to split that cost as well, which is how these, yeah, that's how they're structured in some way or another. 14:11 And another number to know that kind of governs this is the ACA affordability percentage, which is essentially where employers have to contribute, they have to contribute enough to keep the premium under this amount, which is 9.02 % this year. So premium for one of your employees cannot exceed 9.02 % of their take-home pay. 14:39 And this is updated on an annual basis, correct? Correct. Yeah, it fluctuates a little bit, but it's always right at 9, 8.5, 9.2, it's balanced up and down. But that's a pretty astonishing number too. And I see a lot of companies that are basically designing their contribution just to stay under that. it's, obviously they'd love to do more, but with the way these costs increase annually, sooner or later, they get to that point. 15:07 where they're kind of designing it just to be under 9 % of the employee's income. Okay, that's  astonishing.  And I'm happy that you  are working nationwide now with employer benefits with companies that, what's the size of the companies that you typically sell to? So we only work with large employers these days. And if we have somebody come in a little bit under, we have some associate agencies that we can kind of refer them to. 15:36 I'd say our minimum is usually like 250 eligible employees all the way up to 5000. Yeah, so anywhere in that mix. Excellent. So when again, I first met you was unaware because you've basically become nationwide in the last what two, three years, right? I'd say around COVID. Yeah, I took off right. So when I was speaking with you spent some time on the website. 16:06 I was trying to understand the sales alignment. So how you reach customers, those employees that have 250 between 250 and 5,000 employees, right? My first reaction was, OK, Donovan, go in with either of these benefits. You do a cost down, right? You've done, you basically work yourself out of the job. You corrected me. So for my audience, so how? 16:32 does ethos benefits work for a company, right?  What is that?  Is it is it an annual  engagement  talk walk me through the work you Yeah, I mean, things are happening on a daily like when we break down our scope of services, we'll actually show them like,  these are daily, these are weekly tasks, these are monthly, quarterly and annual because there's so much happening.  So  we're talking about the employee benefit space. Yes, it's  the 17:01 kind of designing consulting for the annual premium for a 12 month period. I think that's what people first consider.  But there's also a ton of compliance factors that have to happen throughout the year that that company has to fill out, right? Could be anything from section  125s,  5,500s,  wrap documents, all kinds of notices and disclosures  that need to be done.  Also, you know, we deal with benefits administration. So that's... 17:29 How are the employees making elections, seeing premiums? Is that integrating into payroll?  So functions like that with eligibility in and out of the company  adjusting that.  But also we kind of discussed and talked about the fact that health care is incredibly complex. So all the same market influences, where the market's at, interest rates,  inflation, all that kind of stuff affects  health care rates just like any other company in the market. 17:58 but it also gets as granular as  new medical procedures, new drugs, new generic drugs that are now an option.  It can even go down, you know, locally or regionally to where we get a new CFO in a hospital group and that starts changing the reimbursement rates that they're requesting from the insurance. So we see that where kind of a CFO comes in and they start flexing, making life difficult in a particular region or with a hospital group. 18:28 So all these things are kind of coming together and changing every single day.  Also the fact of the sheer amount of bills,  claims that come through.  So what we see on average,  this is a pretty crazy number, but  what we see on average is 18 claims  per employee per year. Okay, that's a lot.  That's a lot. So if we had just a hundred employees, that'd be 1800. 18:56 basically accounts payable  into the company. And that's part of our job too, because as you might imagine, hospitals make tons of mistakes on the bills, about 80 % of the bills have mistakes.  And then we also have to make sure that those are coming in at fair reimbursement rates to the company, because what hospitals bill is a spectrum for the exact same procedure. And the only difference is the payer. It's not the patient, it's not the complexity, it's not the physician, like it's literally 19:25 just the insurance card that can affect that difference in reimbursement rates. So all these things kind of come together where, yes, it  very much is a daily  task for me and my team on different things that we're working on. And- Are you an advocate in any way for the employees? Yes,  very much. So, you know, it's two, there's two complicated ecosystems at the same time that we're trying to navigate. 19:52 One is certainly the healthcare finance, which is what we're working with the company. But healthcare delivery for employees and members is just as complicated and confusing as far as where do I go? What is this gonna cost? What's the next step? Can I get a second opinion? How would that work? Right? And also helping navigate them to their highest cost or their lowest cost, highest quality and understanding what that is and giving them options to seek care at. 20:21 at lower prices if that's available. Excellent.  So your  delivery platform, is it like a customer success team  that  is assigned solely to that client? How does it work? Yeah, so it's kind of different. every employer is starting at a different place. They also have different ideas of where their end place or where their goal is. 20:49 healthcare delivery, kind of working on some things like that, there might be a couple of different ways we handle it. One might be having a direct  primary care provider. So the idea of a direct  primary care provider is basically same day, next day appointments with your primary care physician  and 30 to 60 minute visit times, not the average, which is seven minutes with a PCP, which is what most people get across the country.  And  with that DPC provider, you can also do things like 21:18 stitches,  blood work, get generic meds. So we're talking about more of a comprehensive service when you actually need it, not  the 14, 18 day  primary care. So that might be one of the ways we help with healthcare delivery.  It might be a nurse concierge where they have a nurse that they can help find providers,  navigate them. That might be a part of it.  So it kind of depends. then also  a lot of the times are 21:47 Our team will basically act as a care coach, where if they have anything going on, they can just call us. We'll help them set appointments, navigate them towards care, help them with their ID problems. Fantastic. Anything else you'd like to share or shed some light on the service offering of ETHOS benefits? So we're going to jump into a legal question in a minute here. 22:13 Yeah, I mean, it always just depends on the employer.  what I would say is generally they find everything we do to be  more comprehensive. And I think that's just the nature of the fact that we're not seeking compensation from the insurance providers or working with the client, because  it's my belief that we don't have a single thing to sell to an employer.  Employers have a health care problem. And we're here to solve that and work through that in any 22:42 way that they need at that given time.  So we're not,  you know, pushing those solutions are having those conflicts.  It's an excellent segue down into  current lawsuits  that are popping up with respect to,  first of all 401k, lawyer, and now healthcare benefits. So before we jump into that some specific cases, you know, for my listeners, what does fiduciary mean? 23:12 in your business model, right? Please. Yeah. So fiduciary for us is certainly always acting in the best interest of those that you represent. It's the highest standard of care.  So you mentioned a couple of things  earlier, loyalty, obedience. I think the biggest thing where companies may think they're acting as a fiduciary and they're not, because while we carry that duty to our employers and our clients, 23:40 Employers have that duty to all of their employees. And that's something that are kind of educating them because a lot of them don't realize it. But  I think the big duty that is  left out or misunderstood is the duty of prudence.  Okay. So did they go far enough in investigating solutions and understanding the problem and working through it and having a committee within the company to kind of help go through that? Because what I mean, in a compensation package, there is nothing more important 24:10 than the cost of health care and the options in health care, right? And how those decisions are being made.  So I see the duty of  prudence being the kind of  most 24:23 I, the duty with the most opportunity, let's say, maybe, maybe the most misunderstood because  the employer sometimes think, well, you know, the broker came in and he showed me one or two other options.  This is the least worst option. Therefore that's what we're doing. And I think that's enough. Right.  And that is not the case.  And it's only until there's a 40 % increase due, right. It doesn't employer say  my business is not sustainable. 24:51 So actually healthcare is what not the number two or number three expense  in the company's PNL today. Correct. Right. So walk me through some of these  recent lawsuits.  Yeah, I think we have companies like J &J and JP Morgan. Speak to me about that. 25:14 Yeah, J. J. J. P. Morgan, Wells Fargo. A lot of them are almost they're copied and in some parts of the complaint,  because it's very much the same thing. the first one we saw was  Lewandowski versus Johnson and Johnson. And this is for their health care plan. You know, they're a Fortune 50 company.  I think they somewhere around 160,000 employees. 25:42 and they have a benefits committee and a benefits team of 16 or 18 people. So a big team of people to help make these decisions, understand them and vet them. And the lawsuit is basically for their decision of pharmacy benefit manager. So a pharmacy benefit manager essentially sets the price for any drugs that employees could get within the plan. And it lays out 35 or so specific examples of drugs 26:12 but basically they agreed to pay  up to  13,000 times  the cost of the drug that's available, just cash pay.  employee and employer funds are agreeing to pay that kind of multiple on a drug that's available without insurance, much, much cheaper.  And the  lawsuit is brought by the plaintiffs, who are they? 26:40 am Lewandowski. So she's she's the plaintiff. And then I believe as it's developed, other employees have kind of came on. So 13,000 was it do you know, I know that you're not directly involved in this case. Nor should you speak to it if that is the case. But is the transparency of the data? Can you get that data if you were an employee to then understand the 27:09 multiples that your employer plan has agreed to pay to the pharmacy benefit. I'm aghast. 13, I think the number is 13,226. So when this came out last January, the first thing I did is I read through the whole complaint. It was like 130 pages went through all these. So for all the drugs that were mentioned, I ran 27:40 J &J's prices, again, Fortune 50, 150, 160,000 employees. So you would assume they're getting leveraged prices, they're making great decisions, all those kinds of things. I ran those prices against what my clients were paying. And in the smallest, like I think our smallest in my book of business, like 100 insured employees somewhere around there, they were paying 94 % less. 28:06 for the same, for one fill of all the same drugs. So the math worked out to be like 135,000 for J &J for one fill of each of those. And my clients were like 3000 or 4000, don't know, it's all my LinkedIn. posted the public letter as soon as it came out. But I basically price referenced them. So it's not a question of leverage or buying power, know, all the ridiculous things you hear. 28:34 when you're talking to  an insurance broker for these types of decisions,  it's literally, it comes down to that question of prudence. Like,  how did you vet these decisions?  Do you know how the pharmacy benefit manager is getting paid? Do you know what these drug benchmarks are against the cash price?  And that's  where I think this lawsuit is gonna be a slam dunk. Like, there is no reason for a company that size with that big of a benefits committee to hire such a conflicted PBM, is what they call it. 29:04 You heard it here on the founder sandbox. So stay tuned for  any other  lawsuits that are  worthy of mention. Do all of them? Are they all related to the pharmacy benefit manager conundrum?  There's there's all kinds of lawsuits. I think the PBMs are the lowest hanging fruit because it's so easy to benchmark. But certainly the same arguments exist with  hospital reimbursement rates. 29:33 And we're starting to see those as well. Excellent. Well, thank you  for sharing  a bit more  details on  the  recent,  I guess,  health care benefits in the news, right? Lawsuits.  Going to get a little bit technical here. 29:57 because you allowed me to.  the framework of the CAA of 2020 and 2021, that's the minimum set of standards for activities to benchmark health care plans.  And so  what are they?  Because it then leads into  some of the common sense strategies  that employers can deploy immediately.  So can you walk? Because this is just as yesterday, it's actually during the pandemic. What's the CAA? 30:27 of 2020, 2021. Thank you. Yeah. So that's the interesting part of this. So the reason I said a decade ago, over a decade ago, I was waiting for these health care lawsuits to happen. It's because Arissa has always stated that  employers have this fiduciary responsibility, just like they had with  401k. The problem has been, and the reason these lawsuits didn't come sooner, is that health insurance companies  make this data hard to access. 30:56 different carriers were released different amounts.  And there was no set of compliance standards for employers to understand this is how I go about making it, making these decisions and benchmarking these decisions, right? Like  it was all just too vague, too opaque. The data was too gagged and withheld from the employers.  So the starting point of how do I know I'm being prudent or not, that's kind of what wasn't known prior to the  CAA of 2021. 31:27 So  the CAA  basically defined a set of minimum standards  that you have to do to even pretend like you're being a prudent fiduciary for your healthcare plan. So there's four things, but there's three main things. I'll mention the fourth thing as well, because there's funny stuff about that.  So the first one  should be the most obvious, and  it's kind of our founding story, which is understanding 31:53 your broker compensation before you enter into any arrangement or agreement for your upcoming plan. So that should not only be how much,  it should be when, what type of bonus is there. If you're looking at carrier A, B, and C, really what it says is you should know what is their compensation for carrier A, B, and C before you make an arrangement, because they will be different. And that will change the recommendation, the advice, the conversation that you're having with that broker. 32:23 is critical. That is so critical. And  in reading these transparency commission  disclosures from  brokers, it is wild, the stuff that they put in there and how conflicted their advice is.  One of them that I looked at last week said, broker acknowledges that their parent company has equity in the insurance carriers that they're recommending. Oh my gosh. So they're essentially saying, 32:52 We are an insurance company that's going to bias our recommendations to the own companies we have equity in. It's like, that's no longer a party you should take advice from, right? 33:07 Okay, so that's part one.  Yeah, no, this is this is  and you know,  I without it's gonna get too technical because the gag clause and  the prescription DC reporting so that you know, basically CAA has provided the set of benchmarks, right, which  you need to at least checkmark right before you actually do. 33:35 engage or decide on your employer benefit plan.  Yeah. To be in compliance with your fiduciary duty, particularly that of prudence. Yeah.  Yeah. And I think companies shouldn't look at as a checkmark. I think if they apply it with a good faith effort, they'll see like, oh,  it's not compliance. This is a framework  for making better decisions.  Right.  And that's what it's meant to do. It's meant to say, 34:05 Know your compensation, know your drug benchmarks,  and  eliminate any gag clauses to your data because you need your data to make decisions. So I think if companies make a faith effort, they'll automatically get better outcomes. That's the way here. Excellent. Well, thank you, Donovan. I want to give me this time to actually  speak about  how to contact you,  your company. But more importantly, 34:34 There is  you're hosting a webinar on August 14, which is right around the corner. Can you  give us some more details?  The details will be in the show notes,  but speak to the event that ethos benefits is hosting on August 14 2025. Thanks. Yeah, thank  you.  Yeah. So on the 14th, we're doing a fiduciary workshop masterclass, which is basically understanding what your 35:03 what your duties are, how to get through them, how to navigate them, how to have this framework for decision making and document that process as well. And it's all geared towards just achieving those better outcomes for your company, eliminating any of these risks and really creating positive results for your people. Excellent. And any information with respect to how to reach out to you beyond the- Yeah, sorry. the registration is on a banner on the top of our 35:33 on our homepage. So ethos benefits.com. If you connect with me on LinkedIn, LinkedIn,  Donovan, ragas, you can find it there as well.  Great. Well, I'm coming to the  part of my podcast, which  brings us back to the sandbox.  In my work, I'm all about working with purpose driven, scalable, and resilient companies. 36:00 And so I ask my guest, what is the meaning of each of those terms? What does purpose mean to you? 36:08 Purpose, what does it mean to you? That's such a big question that you can go a lot away from. You know, I feel like purpose should be almost like a hidden driver. It's almost not like a well-considered thing. It's just kind of driving you forward.  I think our purpose  is progress,  right? Like if something can be done better, it should be and just kind of moving forward with that. 36:35 We're trying to move one company at a time, but also the industry and better outcomes  for the country. 36:43 And that good feel factor when you get up in the morning and know that you're doing good, right? Yeah, absolutely. Let's just sleep well at night. Right? Yes. Amazing. How about resilience? You did share with me off  camera that yeah, while you abandoned the financials,  advisory role, it took almost five years, right to really find product market fit, right  and build this because it's a very unknown right industry. 37:12 unknown service within a very, very  complex industry, right? Yeah. So resilience for you, what does that mean?  Yeah, I think you're right. You know, it took us a while because we were sharing such a wildly different message than what people were hearing from their brokers. And sometimes they look at you and be like, well, you're small, they're big, that must mean they're right, right.  So I think resilience is being able to go from 37:42 failure to failure without any loss in energy, right? So when something doesn't go your way and you have an obstacle, an outcome that is less than desired, it's about being able to push on still without losing any of your optimism or energy. And that's all we do. So. Thank you for what you do. And scalable. What does scalable mean? 38:07 Scalable is certainly about having an actual documented process. I think when you're getting into something new as a company or a new system or procedure process, if it's not something that everybody in the company could repeat in the same way that I do, just inherently the way I do it because of my background and education, if it's not repeatable for everybody and everybody doesn't understand the purpose for those steps, 38:36 the outcomes from those steps, like the end result, it's definitely not gonna be scalable. Thank you. Final question. Did you have fun on the sandbox today? I did. Thank you so much for having  me. Thank you, Donovan.  So to my listeners, if you liked this episode with Donovan Rikas from Ethos Benefits,  sign up for the monthly release of founders, business owners, corporate directors, and professional service providers that share their experiences. 39:06 and how to build with strong governance a resilient, scalable, and purpose-driven company to make profits for good. Signing off for this month, thank you very much. Have a great day.  

Just like many school kids, state policy makers know that the bell is about to ring with more business at the state house. Senator Pat Testing - R-Stevens Point - stands ready to pick up where they left off after the state budget was signed into effect. Testin tells Pam Jahnke that they're continuing to monitor the effects on state programs because of federal changes. Testin says the state avoided some damage by getting the state budget signed into effect before the "Big Beautiful Bill" was signed less than 24 hours later. Testin is also relieved to finally deliver the Advanced Practice Registered Nurse (APRN) Modernization Act. Testin says this directive has been in the works for more than a decade. According to the Kaiser Family Foundation, close to 40 percent of Wisconsin’s need for primary care providers is currently unmet. In 10 years, the state will likely require more than 740 additional primary care professionals to meet the growing demand for care. However, by 2035, Wisconsin’s supply of primary care physicians is expected to grow by just 4 percent. The new state statute authorizes APRNs to practice independently and without the need for a collaborative agreement with a physician – so long as the cases do not fall outside their areas of expertise. Wisconsin now joins nearly 30 other states – including Minnesota and Iowa – that have passed policies similar to the APRN Modernization Act. See omnystudio.com/listener for privacy information.

Congressman Mike Flood's recent town hall, promoting Medicaid work requirements, wasn't just a political event; it was a microcosm of the war on facts.  Flood, while commendable for engaging directly with constituents, peddled a narrative devoid of scientific backing, painting a picture of able-bodied individuals leeching off the system. This blatant disregard for the reality that many Medicaid recipients are already working multiple jobs, juggling financial precarity and healthcare needs, is a dangerous form of political theater, designed to scapegoat the vulnerable and further erode the social safety net.The performative outrage surrounding Medicaid conveniently ignores the complexities of healthcare access in America.  Flood's arguments, echoing a chorus of conservative voices, rely on a simplistic, misleading narrative that conveniently ignores the data.  Organizations like the Kaiser Family Foundation have repeatedly debunked the myth of the 'lazy' Medicaid recipient, showcasing the reality of individuals struggling to balance work, family, and debilitating health conditions.  Flood's town hall, rather than a genuine attempt at policy discussion, served as a platform for disseminating misinformation and fueling divisive rhetoric.Dr. Jessica Nurick's counterpoint provides a crucial antidote to this manufactured outrage.  Her work dismantling health misinformation, whether tackling the manipulative narratives of social media influencers or clarifying the science behind nutrition and funding, is a beacon of reason in a sea of manufactured controversy.  The attacks on evidence-based science, exemplified by Flood's rhetoric, are not merely political; they are an assault on public health.  By highlighting the dangers of relying on simplistic narratives and embracing evidence-based policymaking, Dr. Nurick offers a vital path towards a more informed and equitable healthcare system.Full Show Notes & Links UsedSend us a textSupport the showSubscribe to our free newsletterCheck out our MerchFollow us on BlueskyFind us on Twitter(for now) Find us on InstagramFind us on Counter SocialFind us on Mastadon

Vermonters overwhelmingly voted to enshrine reproductive rights in the state constitution in 2022. But what if those rights – to abortion, birth control and other reproductive health services – are nearly impossible to access?Putting care out of reach appears to be the strategy behind the Trump administration's relentless assault on Planned Parenthood, the nation's largest provider of reproductive health care. President Trump's “big beautiful bill” that he signed into law on July 4 includes a provision to defund Planned Parenthood and other organizations that provide abortions. A federal judge has temporarily blocked this provision, but if the Trump administration prevails, Planned Parenthood says that numerous health care centers may close, mostly in states where abortion remains legal.This compounds a problem in Vermont, since half of Planned Parenthood's clinics in the state have closed in the last three years due to an ongoing financial crisis with Planned Parenthood of Northern New England (PPNNE).Medicaid already bans funding for abortions. Most of Planned Parenthood's Medicaid patients who obtain family planning services receive birth control and STI testing. One in four Planned Parenthood patients in Vermont and Maine are insured by Medicaid, and one in five in New Hampshire.“The absurdity of all of this is just so transparent,” Nicole Clegg, CEO of Planned Parenthood of Northern New England, told The Vermont Conversation. “We have long-lasting relationships with our patients. We could be their main provider for years … and to suddenly be told, ‘Sorry, you can't go to that provider anymore because they also provide abortion care' — that's what's happening here. That's the goal.”Clegg emphasized that “the overwhelming majority of what we're providing to patients are disease testing and treatment, cancer screenings, wellness exams, birth control. Those are the primary needs that people have during their reproductive years.”Abortion opponents are “no longer interested in the states where they've been successful in banning abortion. They're now really focused on the states where abortion is still legal, so that includes Vermont, and what they're trying to do is go after providers. So that's the new tactic,” Clegg said.She noted that people seeking an abortion in states where it is banned are increasingly coming to New England for care. She told the story of a couple seeking an abortion who drove from Oklahoma to Vermont “because they felt like that was going to be the safest option for them.”“We live in an area of the country where we are a little bit insulated from this fear, but this fear is very real.”What is motivating the attacks?“It's about abortion. It's about controlling people and their ability to make decisions and decide when to have a family,” Clegg replied.A 2024 Pew survey found that two out of three Americans – and 79% of Vermonters – believe that abortion should be legal in all or most cases.“We needed to sort of wake people up by having them lose these basic rights. That's where we are right now.”One in three women have received care from Planned Parenthood in their lifetime, according to the Kaiser Family Foundation. “There's just no other healthcare provider in our country that has that kind of reach and impact,” Clegg said.I asked Clegg what a world without Planned Parenthood would look like. She cited research on what has happened in areas where a Planned Parenthood health center has closed.“Worse pregnancy outcomes. Increased rates of cancer. Increased rates of unintended pregnancy. Untreated sexually transmitted diseases. Increased rates of HIV and AIDS.”Will Planned Parenthood survive?Clegg noted that this year marks Planned Parenthood's 60th anniversary. “We have touched the lives of more than a million people” in northern New England, she said. “I fundamentally believe we will get through this because people support us. People want to come to us for care. We are embedded in our states and a part of our community in deep ways. We matter too much for our states and our communities to just accept that we would close our doors.”

The Supreme Court is upholding Tennessee’s ban on gender affirming care for transgender minors. The challenge to the law came from three transgender teens, their parents and a physician. PBS News Supreme Court analyst Amy Howe, co-founder of SCOTUS blog, and Lindsey Dawson, director of LGBTQ health policy at Kaiser Family Foundation, join John Yang to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders

The Supreme Court is upholding Tennessee’s ban on gender affirming care for transgender minors. The challenge to the law came from three transgender teens, their parents and a physician. PBS News Supreme Court analyst Amy Howe, co-founder of SCOTUS blog, and Lindsey Dawson, director of LGBTQ health policy at Kaiser Family Foundation, join John Yang to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Changes at the federal level are expected to have major effects on medical research. Recently on this program, we discussed how clinicians expect possible funding cuts to affect cancer research. This hour, we focus on HIV research. The Kaiser Family Foundation reports that the fiscal year 2026 budget request for domestic HIV programs is a 35% decline compared to the previous fiscal year. What does that mean for HIV research in our region? And how could it affect patients? Guest host Racquel Stephen addresses those questions with local experts: Michael Keefer, M.D., principal investigator at the Rochester Victory Alliance; and professor in the Departments of Medicine and Infectious Diseases and in the Center for Community Health and Prevention at the University of Rochester Medical Center Harold Smith, Ph.D. founder, CEO, and president of Oyagen, Inc.; and professor emeritus of biochemistry and biophysics at the University Rochester School of Medicine and Dentistry

On this Washington Wednesday edition of Politically Georgia, hosts Tia Mitchell and Patricia Murphy take a closer look at the proposed Medicaid cuts advancing in Congress. From new work requirements to potential cost-sharing for low-income recipients, they break down what's at stake for millions of Americans. Plus, Kaiser Family Foundation's Sam Whitehead joins the show to explain how the changes could impact Medicaid and PeachCare coverage for 2 million Georgians. Have a question or comment for the show? Call or text the 24-hour Politically Georgia Podcast Hotline at 770-810-5297. We'll play back your question and answer it during our next Monday Mailbag segment. You can also email your questions at PoliticallyGeorgia@ajc.com. Listen and subscribe to our podcast for free at Apple Podcasts, Spotify, or wherever you listen to podcasts. You can also tell your smart speaker to “play Politically Georgia podcast.” Learn more about your ad choices. Visit megaphone.fm/adchoices

The trial of Sean Combs, the media mogul known as Diddy, is underway. Claudia Rosenbaum, a freelance writer for Vulture who is covering the proceedings, joins us. Then, dozens of white South Africans landed outside of Washington on Monday after the Trump administration granted them refugee status. Journalist Kate Bartlett tells us why President Trump is welcoming them into the U.S. And, a recent Kaiser Family Foundation poll found that fewer than half of Americans trust the government to respond to disease outbreaks, act independently, or ensure the safety of drugs and vaccines. For more on the state of public health, we speak to Dr. Katherine O'Brien, the director of the immunization, vaccines and biologicals department at the World Health OrganizationLearn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this episode of The Health Advocates, Steven Newmark breaks down the latest public health developments you need to know. From a surge in measles and dengue cases to proposed changes in food dye regulations, Steven explains what’s happening, why it matters, and how it could impact people living with chronic illness. He also unpacks the delay in FDA approval for the Novavax COVID-19 vaccine and introduces the Vaccine Integrity Project — a new initiative working to preserve trust in vaccine guidance. Tune in for the insights you need to stay informed and protect your health. Among the highlights in this episode: 00:40: Steven Newmark, Chief of Policy at GHLF, reports that U.S. measles cases are surging, nearing a 25-year high with 923 cases, including a hotspot in El Paso, TX 01:22: Steven notes a political divide in public concern over measles, citing Kaiser Family Foundation survey data 01:40: Dengue fever cases are rising in the U.S. due to travel and climate shifts; Steven urges use of DEET-based repellents in high-risk states 02:24: Steven breaks down HHS’s proposed voluntary phaseout of certain petroleum-based food dyes, highlighting industry pushback and potential allergy risks 03:38: Steven explains the FDA’s pause and policy change regarding full approval for the Novavax COVID-19 vaccine, including a new clinical trial requirement 04:33: Steven introduces the Vaccine Integrity Project, a private group of vaccine experts formed to provide trusted guidance amid concerns of policy politicization 05:43: Steven wraps up with a reminder to visit https://ghlf.org/vaccine-resources for ongoing updates and resources on vaccine Contact Our Host Steven Newmark, Chief of Policy at GHLF: snewmark@ghlf.org A podcast episode produced by Ben Blanc, Director, Digital Production and Engagement at GHLF. We want to hear what you think. Send your comments in the form of an email, video, or audio clip of yourself to podcasts@ghlf.org Catch up on all our episodes on our website or on your favorite podcast channel.See omnystudio.com/listener for privacy information.

Even as people use online technologies in their everyday lives, they sometimes worry about potential pitfalls, including concerns about trusting other people. On this episode, we talk with two innovators who are seeking to improve public health by improving transparency in sexual relationships through a new platform called PlumCheck: Celine Gounder of the Kaiser Family Foundation and CBS News, and Josh Karetny, CEO of the new platform.

Dr. Gary Null provides a commentary on "Universal  Healthcare"       Universal Healthcare is the Solution to a Broken Medical System Gary Null, PhD Progressive Radio Network, March 3, 2025 For over 50 years, there has been no concerted or successful effort to bring down medical costs in the American healthcare system. Nor are the federal health agencies making disease prevention a priority. Regardless whether the political left or right sponsors proposals for reform, such measures are repeatedly defeated by both parties in Congress. As a result, the nation's healthcare system remains one of the most expensive and least efficient in the developed world. For the past 30 years, medical bills contributing to personal debt regularly rank among the top three causes of personal bankruptcy. This is a reality that reflects not only the financial strain on ordinary Americans but the systemic failure of the healthcare system itself. The urgent question is: If President Trump and his administration are truly seeking to reduce the nation's $36 trillion deficit, why is there no serious effort to reform the most bloated and corrupt sector of the economy? A key obstacle is the widespread misinformation campaign that falsely claims universal health care would cost an additional $2 trillion annually and further balloon the national debt. However, a more honest assessment reveals the opposite. If the US adopted a universal single-payer system, the nation could actually save up to $20 trillion over the next 10 years rather than add to the deficit. Even with the most ambitious efforts by people like Elon Musk to rein in federal spending or optimize government efficiency, the estimated savings would only amount to $500 billion. This is only a fraction of what could be achieved through comprehensive healthcare reform alone. Healthcare is the largest single expenditure of the federal budget. A careful examination of where the $5 trillion spent annually on healthcare actually goes reveals massive systemic fraud and inefficiency. Aside from emergency medicine, which accounts for only 10-12 percent of total healthcare expenditures, the bulk of this spending does not deliver better health outcomes nor reduce trends in physical and mental illness. Applying Ockham's Razor, the principle that the simplest solution is often the best, the obvious conclusion is that America's astronomical healthcare costs are the direct result of price gouging on an unimaginable scale. For example, in most small businesses, profit margins range between 1.6 and 2.5 percent, such as in grocery retail. Yet the pharmaceutical industrial complex routinely operates on markup rates as high as 150,000 percent for many prescription drugs. The chart below highlights the astronomical gap between the retail price of some top-selling patented pharmaceutical medications and their generic equivalents. Drug Condition Patent Price (per unit) Generic Price Estimated Manufacture Cost Markup Source Insulin (Humalog) Diabetes $300 $30 $3 10,000% Rand (2021) EpiPen Allergic reactions $600 $30 $10 6,000% BMJ (2022) Daraprim Toxoplasmosis $750/pill $2 $0.50 150,000% JAMA (2019) Harvoni Hepatitis C $94,500 (12 weeks) $30,000 $200 47,000% WHO Report (2018) Lipitor Cholesterol $150 $10 $0.50 29,900% Health Affairs (2020) Xarelto Blood Thinner $450 $25 $1.50 30,000% NEJM (2020) Abilify Schizophrenia $800 (30 tablets) $15 $2 39,900% AJMC (2019) Revlimid Cancer $16,000/mo $450 $150 10,500% Kaiser Health News (2021) Humira Arthritis $2,984/dose $400 $50 5,868% Rand (2021) Sovaldi Hepatitis C $1,000/pill $10 $2 49,900% JAMA (2021) Xolair Asthma $2,400/dose $300 $50 4,800% NEJM (2020) Gleevec Leukemia $10,000/mo $350 $200 4,900% Harvard Public Health Review (2020) OxyContin Pain Relief $600 (30 tablets) $15 $0.50 119,900% BMJ (2022) Remdesivir Covid-19 $3,120 (5 doses) N/A $10 31,100% The Lancet (2020) The corruption extends far beyond price gouging. Many pharmaceutical companies convince federal health agencies to fund their basic research and drug development with taxpayer dollars. Yet when these companies bring successful products to market, the profits are kept entirely by the corporations or shared with the agencies or groups of government scientists. On the other hand, the public, who funded the research, receives no financial return. This amounts to a systemic betrayal of the public trust on a scale of hundreds of billions of dollars annually. Another significant contributor to rising healthcare costs is the widespread practice of defensive medicine that is driven by the constant threat of litigation. Over the past 40 years, defensive medicine has become a cottage industry. Physicians order excessive diagnostic tests and unnecessary treatments simply to protect themselves from lawsuits. Study after study has shown that these over-performed procedures not only inflate costs but lead to iatrogenesis or medical injury and death caused by the medical  system and practices itself. The solution is simple: adopting no-fault healthcare coverage for everyone where patients receive care without needing to sue and thereby freeing doctors from the burden of excessive malpractice insurance. A single-payer universal healthcare system could fundamentally transform the entire industry by capping profits at every level — from drug manufacturers to hospitals to medical equipment suppliers. The Department of Health and Human Services would have the authority to set profit margins for medical procedures. This would ensure that healthcare is determined by outcomes, not profits. Additionally, the growing influence of private equity firms and vulture capitalists buying up hospitals and medical clinics across America must be reined in. These equity firms prioritize profit extraction over improving the quality of care. They often slash staff, raise prices, and dictate medical procedures based on what will yield the highest returns. Another vital reform would be to provide free medical education for doctors and nurses in exchange for five years of service under the universal system. Medical professionals would earn a realistic salary cap to prevent them from being lured into equity partnerships or charging exorbitant rates. The biggest single expense in the current system, however, is the private health insurance industry, which consumes 33 percent of the $5 trillion healthcare budget. Health insurance CEOs consistently rank among the highest-paid executives in the country. Their companies, who are nothing more than bean counters, decide what procedures and drugs will be covered, partially covered, or denied altogether. This entire industry is designed to place profits above patients' lives. If the US dismantled its existing insurance-based system and replaced it with a fully reformed national healthcare model, the country could save $2.7 trillion annually while simultaneously improving health outcomes. Over the course of 10 years, those savings would amount to $27 trillion. This could wipe out nearly the entire national debt in a short time. This solution has been available for decades but has been systematically blocked by corporate lobbying and bipartisan corruption in Washington. The path forward is clear but only if American citizens demand a system where healthcare is valued as a public service and not a commodity. The national healthcare crisis is not just a fiscal issue. It is a crucial moral failure of the highest order. With the right reforms, the nation could simultaneously restore its financial health and deliver the kind of healthcare system its citizens have long deserved. American Healthcare: Corrupt, Broken and Lethal Richard Gale and Gary Null Progressive Radio Network, March 3, 2025 For a nation that prides itself on being the world's wealthiest, most innovative and technologically advanced, the US' healthcare system is nothing less than a disaster and disgrace. Not only are Americans the least healthy among the most developed nations, but the US' health system ranks dead last among high-income countries. Despite rising costs and our unshakeable faith in American medical exceptionalism, average life expectancy in the US has remained lower than other OECD nations for many years and continues to decline. The United Nations recognizes healthcare as a human right. In 2018, former UN Secretary General Ban Ki-moon denounced the American healthcare system as "politically and morally wrong." During the pandemic it is estimated that two to three years was lost on average life expectancy. On the other hand, before the Covid-19 pandemic, countries with universal healthcare coverage found their average life expectancy stable or slowly increasing. The fundamental problem in the U.S. is that politics have been far too beholden to the pharmaceutical, HMO and private insurance industries. Neither party has made any concerted effort to reign in the corruption of corporate campaign funding and do what is sensible, financially feasible and morally correct to improve Americans' quality of health and well-being.   The fact that our healthcare system is horribly broken is proof that moneyed interests have become so powerful to keep single-payer debate out of the media spotlight and censored. Poll after poll shows that the American public favors the expansion of public health coverage. Other incremental proposals, including Medicare and Medicaid buy-in plans, are also widely preferred to the Affordable Care Act or Obamacare mess we are currently stuck with.   It is not difficult to understand how the dismal state of American medicine is the result of a system that has been sold out to the free-market and the bottom line interests of drug makers and an inflated private insurance industry. How advanced and ethically sound can a healthcare system be if tens of millions of people have no access to medical care because it is financially out of their reach?  The figures speak for themselves. The U.S. is burdened with a $41 trillion Medicare liability. The number of uninsured has declined during the past several years but still lingers around 25 million. An additional 30-35 million are underinsured. There are currently 65 million Medicare enrollees and 89 million Medicaid recipients. This is an extremely unhealthy snapshot of the country's ability to provide affordable healthcare and it is certainly unsustainable. The system is a public economic failure, benefiting no one except the large and increasingly consolidated insurance and pharmaceutical firms at the top that supervise the racket.   Our political parties have wrestled with single-payer or universal healthcare for decades. Obama ran his first 2008 presidential campaign on a single-payer platform. Since 1985, his campaign health adviser, the late Dr. Quentin Young from the University of Illinois Medical School, was one of the nation's leading voices calling for universal health coverage.  During a private conversation with Dr. Young shortly before his passing in 2016, he conveyed his sense of betrayal at the hands of the Obama administration. Dr. Young was in his 80s when he joined the Obama campaign team to help lead the young Senator to victory on a promise that America would finally catch up with other nations. The doctor sounded defeated. He shared how he was manipulated, and that Obama held no sincere intention to make universal healthcare a part of his administration's agenda. During the closed-door negotiations, which spawned the weak and compromised Affordable Care Act, Dr. Young was neither consulted nor invited to participate. In fact, he told us that he never heard from Obama again after his White House victory.   Past efforts to even raise the issue have been viciously attacked. A huge army of private interests is determined to keep the public enslaved to private insurers and high medical costs. The failure of our healthcare is in no small measure due to it being a fully for-profit operation. Last year, private health insurance accounted for 65 percent of coverage. Consider that there are over 900 private insurance companies in the US. National Health Expenditures (NHE) grew to $4.5 trillion in 2022, which was 17.3 percent of GDP. Older corporate rank-and-file Democrats and Republicans argue that a single-payer or socialized medical program is unaffordable. However, not only is single-payer affordable, it will end bankruptcies due to unpayable medical debt. In addition, universal healthcare, structured on a preventative model, will reduce disease rates at the outset.    Corporate Democrats argue that Obama's Affordable Care Act (ACA) was a positive step inching the country towards complete public coverage. However, aside from providing coverage to the poorest of Americans, Obamacare turned into another financial anchor around the necks of millions more. According to the health policy research group KFF, the average annual health insurance premium for single coverage is $8,400 and almost $24,000 for a family. In addition, patient out-of-pocket costs continue to increase, a 6.6% increase to $471 billion in 2022. Rather than healthcare spending falling, it has exploded, and the Trump and Biden administrations made matters worse.    Clearly, a universal healthcare program will require flipping the script on the entire private insurance industry, which employed over half a million people last year.  Obviously, the most volatile debate concerning a national universal healthcare system concerns cost. Although there is already a socialized healthcare system in place -- every federal legislator, bureaucrat, government employee and veteran benefits from it -- fiscal Republican conservatives and groups such as the Koch Brothers network are single-mindedly dedicated to preventing the expansion of Medicare and Medicaid. A Koch-funded Mercatus analysis made the outrageous claim that a single-payer system would increase federal health spending by $32 trillion in ten years. However, analyses and reviews by the Congressional Budget Office in the early 1990s concluded that such a system would only increase spending at the start; enormous savings would quickly offset it as the years pass. In one analysis, "the savings in administrative costs [10 percent of health spending] would be more than enough to offset the expense of universal coverage."    Defenders of those advocating for funding a National Health Program argue this can primarily be accomplished by raising taxes to levels comparable to other developed nations. This was a platform Senator Bernie Sanders and some of the younger progressive Democrats in the House campaigned on. The strategy was to tax the highest multimillion-dollar earners 60-70 percent. Despite the outrage of its critics, including old rank-and-file multi-millionaire Democrats like Nancy Pelosi and Chuck Schumer, this is still far less than in the past. During the Korean War, the top tax rate was 91 percent; it declined to 70 percent in the late 1960s. Throughout most of the 1970s, those in the lowest income bracket were taxed at 14 percent. We are not advocating for this strategy because it ignores where the funding is going, and the corruption in the system that is contributing to exorbitant waste.    But Democratic supporters of the ACA who oppose a universal healthcare plan ignore the additional taxes Obama levied to pay for the program. These included surtaxes on investment income, Medicare taxes from those earning over $200,000, taxes on tanning services, an excise tax on medical equipment, and a 40 percent tax on health coverage for costs over the designated cap that applied to flexible savings and health savings accounts. The entire ACA was reckless, sloppy and unnecessarily complicated from the start.    The fact that Obamacare further strengthened the distinctions between two parallel systems -- federal and private -- with entirely different economic structures created a labyrinth of red tape, rules, and wasteful bureaucracy. Since the ACA went into effect, over 150 new boards, agencies and programs have had to be established to monitor its 2,700 pages of gibberish. A federal single-payer system would easily eliminate this bureaucracy and waste.    A medical New Deal to establish universal healthcare coverage is a decisive step in the correct direction. But we must look at the crisis holistically and in a systematic way. Simply shuffling private insurance into a federal Medicare-for-all or buy-in program, funded by taxing the wealthiest of citizens, would only temporarily reduce costs. It will neither curtail nor slash escalating disease rates e. Any effective healthcare reform must also tackle the underlying reasons for Americans' poor state of health. We cannot shy away from examining the social illnesses infecting our entire free-market capitalist culture and its addiction to deregulation. A viable healthcare model would have to structurally transform how the medical economy operates. Finally, a successful medical New Deal must honestly evaluate the best and most reliable scientific evidence in order to effectively redirect public health spending.    For example, Dr. Ezekiel Emanuel, a former Obama healthcare adviser, observed that AIDS-HIV measures consume the most public health spending, even though the disease "ranked 75th on the list of diseases by personal health expenditures." On the other hand, according to the American Medical Association, a large percentage of the nation's $3.4 trillion healthcare spending goes towards treating preventable diseases, notably diabetes, common forms of heart disease, and back and neck pain conditions. In 2016, these three conditions were the most costly and accounted for approximately $277 billion in spending. Last year, the CDC announced the autism rate is now 1 in 36 children compared to 1 in 44 two years ago. A retracted study by Mark Blaxill, an autism activist at the Holland Center and a friend of the authors, estimates that ASD costs will reach $589 billion annually by 2030. There are no signs that this alarming trend will reverse and decline; and yet, our entire federal health system has failed to conscientiously investigate the underlying causes of this epidemic. All explanations that might interfere with the pharmaceutical industry's unchecked growth, such as over-vaccination, are ignored and viciously discredited without any sound scientific evidence. Therefore, a proper medical New Deal will require a systemic overhaul and reform of our federal health agencies, especially the HHS, CDC and FDA. Only the Robert Kennedy Jr presidential campaign is even addressing the crisis and has an inexpensive and comprehensive plan to deal with it. For any medical revolution to succeed in advancing universal healthcare, the plan must prioritize spending in a manner that serves public health and not private interests. It will also require reshuffling private corporate interests and their lobbyists to the sidelines, away from any strategic planning, in order to break up the private interests' control over federal agencies and its revolving door policies. Aside from those who benefit from this medical corruption, the overwhelming majority of Americans would agree with this criticism. However, there is a complete lack of national trust that our legislators, including the so-called progressives, would be willing to undertake such actions.    In addition, America's healthcare system ignores the single most critical initiative to reduce costs - that is, preventative efforts and programs instead of deregulation and closing loopholes designed to protect the drug and insurance industries' bottom line. Prevention can begin with banning toxic chemicals that are proven health hazards associated with current disease epidemics, and it can begin by removing a 1,000-plus toxins already banned in Europe. This should be a no-brainer for any legislator who cares for public health. For example, Stacy Malkan, co-founder of the Campaign for Safe Cosmetics, notes that "the policy approach in the US and Europe is dramatically different" when it comes to chemical allowances in cosmetic products. Whereas the EU has banned 1,328 toxic substances from the cosmetic industry alone, the US has banned only 11. The US continues to allow carcinogenic formaldehyde, petroleum, forever chemicals, many parabens (an estrogen mimicker and endocrine hormone destroyer), the highly allergenic p-phenylenediamine or PBD, triclosan, which has been associated with the rise in antibiotic resistant bacteria, avobenzone, and many others to be used in cosmetics, sunscreens, shampoo and hair dyes.   Next, the food Americans consume can be reevaluated for its health benefits. There should be no hesitation to tax the unhealthiest foods, such as commercial junk food, sodas and candy relying on high fructose corn syrup, products that contain ingredients proven to be toxic, and meat products laden with dangerous chemicals including growth hormones and antibiotics. The scientific evidence that the average American diet is contributing to rising disease trends is indisputable. We could also implement additional taxes on the public advertising of these demonstrably unhealthy products. All such tax revenue would accrue to a national universal health program to offset medical expenditures associated with the very illnesses linked to these products. Although such tax measures would help pay for a new medical New Deal, it may be combined with programs to educate the public about healthy nutrition if it is to produce a reduction in the most common preventable diseases. In fact, comprehensive nutrition courses in medical schools should be mandatory because the average physician receives no education in this crucial subject.  In addition, preventative health education should be mandatory throughout public school systems.   Private insurers force hospitals, clinics and private physicians into financial corners, and this is contributing to prodigious waste in money and resources. Annually, healthcare spending towards medical liability insurance costs tens of billions of dollars. In particular, this economic burden has taxed small clinics and physicians. It is well past the time that physician liability insurance is replaced with no-fault options. Today's doctors are spending an inordinate amount of money to protect themselves. Legions of liability and trial lawyers seek big paydays for themselves stemming from physician error. This has created a culture of fear among doctors and hospitals, resulting in the overly cautious practice of defensive medicine, driving up costs and insurance premiums just to avoid lawsuits. Doctors are forced to order unnecessary tests and prescribe more medications and medical procedures just to cover their backsides. No-fault insurance is a common-sense plan that enables physicians to pursue their profession in a manner that will reduce iatrogenic injuries and costs. Individual cases requiring additional medical intervention and loss of income would still be compensated. This would generate huge savings.    No other nation suffers from the scourge of excessive drug price gouging like the US. After many years of haggling to lower prices and increase access to generic drugs, only a minute amount of progress has been made in recent years. A 60 Minutes feature about the Affordable Care Act reported an "orgy of lobbying and backroom deals in which just about everyone with a stake in the $3-trillion-a-year health industry came out ahead—except the taxpayers.” For example, Life Extension magazine reported that an antiviral cream (acyclovir), which had lost its patent protection, "was being sold to pharmacies for 7,500% over the active ingredient cost. The active ingredient (acyclovir) costs only 8 pennies, yet pharmacies are paying a generic maker $600 for this drug and selling it to consumers for around $700." Other examples include the antibiotic Doxycycline. The price per pill averages 7 cents to $3.36 but has a 5,300 percent markup when it reaches the consumer. The antidepressant Clomipramine is marked up 3,780 percent, and the anti-hypertensive drug Captopril's mark-up is 2,850 percent. And these are generic drugs!    Medication costs need to be dramatically cut to allow drug manufacturers a reasonable but not obscene profit margin. By capping profits approximately 100 percent above all costs, we would save our system hundreds of billions of dollars. Such a measure would also extirpate the growing corporate misdemeanors of pricing fraud, which forces patients to pay out-of-pocket in order to make up for the costs insurers are unwilling to pay.    Finally, we can acknowledge that our healthcare is fundamentally a despotic rationing system based upon high insurance costs vis-a-vis a toss of the dice to determine where a person sits on the economic ladder. For the past three decades it has contributed to inequality. The present insurance-based economic metrics cast millions of Americans out of coverage because private insurance costs are beyond their means. Uwe Reinhardt, a Princeton University political economist, has called our system "brutal" because it "rations [people] out of the system." He defined rationing as "withholding something from someone that is beneficial." Discriminatory healthcare rationing now affects upwards to 60 million people who have been either priced out of the system or under insured. They make too much to qualify for Medicare under Obamacare, yet earn far too little to afford private insurance costs and premiums. In the final analysis, the entire system is discriminatory and predatory.    However, we must be realistic. Almost every member of Congress has benefited from Big Pharma and private insurance lobbyists. The only way to begin to bring our healthcare program up to the level of a truly developed nation is to remove the drug industry's rampant and unnecessary profiteering from the equation.     How did Fauci memory-hole a cure for AIDS and get away with it?   By Helen Buyniski   Over 700,000 Americans have died of AIDS since 1981, with the disease claiming some 42.3 million victims worldwide. While an HIV diagnosis is no longer considered a certain death sentence, the disease looms large in the public imagination and in public health funding, with contemporary treatments running into thousands of dollars per patient annually.   But was there a cure for AIDS all this time - an affordable and safe treatment that was ruthlessly suppressed and attacked by the US public health bureaucracy and its agents? Could this have saved millions of lives and billions of dollars spent on AZT, ddI and failed HIV vaccine trials? What could possibly justify the decision to disappear a safe and effective approach down the memory hole?   The inventor of the cure, Gary Null, already had several decades of experience creating healing protocols for physicians to help patients not responding well to conventional treatments by the time AIDS was officially defined in 1981. Null, a registered dietitian and board-certified nutritionist with a PhD in human nutrition and public health science, was a senior research fellow and Director of Anti-Aging Medicine at the Institute of Applied Biology for 36 years and has published over 950 papers, conducting groundbreaking experiments in reversing biological aging as confirmed with DNA methylation testing. Additionally, Null is a multi-award-winning documentary filmmaker, bestselling author, and investigative journalist whose work exposing crimes against humanity over the last 50 years has highlighted abuses by Big Pharma, the military-industrial complex, the financial industry, and the permanent government stay-behind networks that have come to be known as the Deep State.   Null was contacted in 1974 by Dr. Stephen Caiazza, a physician working with a subculture of gay men in New York living the so-called “fast track” lifestyle, an extreme manifestation of the gay liberation movement that began with the Stonewall riots. Defined by rampant sexual promiscuity and copious use of illegal and prescription drugs, including heavy antibiotic use for a cornucopia of sexually-transmitted diseases, the fast-track never included more than about two percent of gay men, though these dominated many of the bathhouses and clubs that defined gay nightlife in the era. These patients had become seriously ill as a result of their indulgence, generally arriving at the clinic with multiple STDs including cytomegalovirus and several types of herpes and hepatitis, along with candida overgrowth, nutritional deficiencies, gut issues, and recurring pneumonia. Every week for the next 10 years, Null would counsel two or three of these men - a total of 800 patients - on how to detoxify their bodies and de-stress their lives, tracking their progress with Caiazza and the other providers at weekly feedback meetings that he credits with allowing the team to quickly evaluate which treatments were most effective. He observed that it only took about two years on the “fast track” for a healthy young person to begin seeing muscle loss and the recurrent, lingering opportunistic infections that would later come to be associated with AIDS - while those willing to commit to a healthier lifestyle could regain their health in about a year.    It was with this background that Null established the Tri-State Healing Center in Manhattan in 1980, staffing the facility with what would eventually run to 22 certified health professionals to offer safe, natural, and effective low- and no-cost treatments to thousands of patients with HIV and AIDS-defining conditions. Null and his staff used variations of the protocols he had perfected with Caiazza's patients, a multifactorial patient-tailored approach that included high-dose vitamin C drips, intravenous ozone therapy, juicing and nutritional improvements and supplementation, aspects of homeopathy and naturopathy with some Traditional Chinese Medicine and Ayurvedic practices. Additional services offered on-site included acupuncture and holistic dentistry, while peer support groups were also held at the facility so that patients could find community and a positive environment, healing their minds and spirits while they healed their bodies.   “Instead of trying to kill the virus with antiretroviral pharmaceuticals designed to stop viral replication before it kills patients, we focused on what benefits could be gained by building up the patients' natural immunity and restoring biochemical integrity so the body could fight for itself,” Null wrote in a 2014 article describing the philosophy behind the Center's approach, which was wholly at odds with the pharmaceutical model.1   Patients were comprehensively tested every week, with any “recovery” defined solely by the labs, which documented AIDS patient after patient - 1,200 of them - returning to good health and reversing their debilitating conditions. Null claims to have never lost an AIDS patient in the Center's care, even as the death toll for the disease - and its pharmaceutical standard of care AZT - reached an all-time high in the early 1990s. Eight patients who had opted for a more intensive course of treatment - visiting the Center six days a week rather than one - actually sero-deconverted, with repeated subsequent testing showing no trace of HIV in their bodies.   As an experienced clinical researcher himself, Null recognized that any claims made by the Center would be massively scrutinized, challenging as they did the prevailing scientific consensus that AIDS was an incurable, terminal illness. He freely gave his protocols to any medical practitioner who asked, understanding that his own work could be considered scientifically valid only if others could replicate it under the same conditions. After weeks of daily observational visits to the Center, Dr. Robert Cathcart took the protocols back to San Francisco, where he excitedly reported that patients were no longer dying in his care.    Null's own colleague at the Institute of Applied Biology, senior research fellow Elana Avram, set up IV drip rooms at the Institute and used his intensive protocols to sero-deconvert 10 patients over a two-year period. While the experiment had been conducted in secret, as the Institute had been funded by Big Pharma since its inception half a century earlier, Avram had hoped she would be able to publish a journal article to further publicize Null's protocols and potentially help AIDS patients, who were still dying at incredibly high rates thanks to Burroughs Wellcome's noxious but profitable AZT. But as she would later explain in a 2019 letter to Null, their groundbreaking research never made it into print - despite meticulous documentation of their successes - because the Institute's director and board feared their pharmaceutical benefactors would withdraw the funding on which they depended, given that Null's protocols did not involve any patentable or otherwise profitable drugs. When Avram approached them about publication, the board vetoed the idea, arguing that it would “draw negative attention because [the work] was contrary to standard drug treatments.” With no real point in continuing experiments along those lines without institutional support and no hope of obtaining funding from elsewhere, the department she had created specifically for these experiments shut down after a two-year followup with her test subjects - all of whom remained alive and healthy - was completed.2   While the Center was receiving regular visits by this time from medical professionals and, increasingly, black celebrities like Stokely Carmichael and Isaac Hayes, who would occasionally perform for the patients, the news was spreading by word of mouth alone - not a single media outlet had dared to document the clinic that was curing AIDS patients for free. Instead, they gave airtime to Anthony Fauci, director of the National Institute of Allergies and Infectious Diseases, who had for years been spreading baseless, hysteria-fueling claims about HIV and AIDS to any news outlet that would put him on. His claim that children could contract the virus from “ordinary household conduct” with an infected relative proved so outrageous he had to walk it back,3 and he never really stopped insisting the deadly plague associated with gays and drug users was about to explode like a nuclear bomb among the law-abiding heterosexual population. Fauci by this time controlled all government science funding through NIAID, and his zero-tolerance approach to dissent on the HIV/AIDS front had already seen prominent scientists like virologist Peter Duesberg stripped of the resources they needed for their work because they had dared to question his commandment: There is no cause of AIDS but HIV, and AZT is its treatment. Even the AIDS activist groups, which by then had been coopted by Big Pharma and essentially reduced to astroturfing for the toxic failed chemotherapy drug AZT backed by the institutional might of Fauci's NIAID,4 didn't seem to want to hear that there was a cure. Unconcerned with the irrationality of denouncing the man touting his free AIDS cure as an  “AIDS denier,” they warned journalists that platforming Null or anyone else rejecting the mainstream medical line would be met with organized demands for their firing.    Determined to breach the institutional iron curtain and get his message to the masses, Null and his team staged a press conference in New York, inviting scientists and doctors from around the world to share their research on alternative approaches to HIV and AIDS in 1993. To emphasize the sound scientific basis of the Center's protocols and encourage guests to adopt them into their own practices, Null printed out thousands of abstracts in support of each nutrient and treatment being used. However, despite over 7,000 invitations sent three times to major media, government figures, scientists, and activists, almost none of the intended audience members showed up. Over 100 AIDS patients and their doctors, whose charts exhaustively documented their improvements using natural and nontoxic modalities over the preceding 12 months, gave filmed testimonials, declaring that the feared disease was no longer a death sentence, but the conference had effectively been silenced. Bill Tatum, publisher of the Amsterdam News, suggested Null and his patients would find a more welcoming audience in his home neighborhood of Harlem - specifically, its iconic Apollo Theatre. For three nights, the theater was packed to capacity. Hit especially hard by the epidemic and distrustful of a medical system that had only recently stopped being openly racist (the Tuskegee syphilis experiment only ended in 1972), black Americans, at least, did not seem to care what Anthony Fauci would do if he found out they were investigating alternatives to AZT and death.    PBS journalist Tony Brown, having obtained a copy of the video of patient testimonials from the failed press conference, was among a handful of black journalists who began visiting the Center to investigate the legitimacy of Null's claims. Satisfied they had something significant to offer his audience, Brown invited eight patients - along with Null himself - onto his program over the course of several episodes to discuss the work. It was the first time these protocols had received any attention in the media, despite Null having released nearly two dozen articles and multiple documentaries on the subject by that time. A typical patient on one program, Al, a recovered IV drug user who was diagnosed with AIDS at age 32, described how he “panicked,” saw a doctor and started taking AZT despite his misgivings - only to be forced to discontinue the drug after just a few weeks due to his condition deteriorating rapidly. Researching alternatives brought him to Null, and after six months of “detoxing [his] lifestyle,” he observed his initial symptoms - swollen lymph nodes and weight loss - begin to reverse, culminating with sero-deconversion. On Bill McCreary's Channel 5 program, a married couple diagnosed with HIV described how they watched their T-cell counts increase as they cut out sugar, caffeine, smoking, and drinking and began eating a healthy diet. They also saw the virus leave their bodies.   For HIV-positive viewers surrounded by fear and negativity, watching healthy-looking, cheerful “AIDS patients” detail their recovery while Null backed up their claims with charts must have been balm for the soul. But the TV programs were also a form of outreach to the medical community, with patients' charts always on hand to convince skeptics the cure was scientifically valid. Null brought patients' charts to every program, urging them to keep an open mind: “Other physicians and public health officials should know that there's good science in the alternative perspective. It may not be a therapy that they're familiar with, because they're just not trained in it, but if the results are positive, and you can document them…” He challenged doubters to send in charts from their own sero-deconverted patients on AZT, and volunteered to debate proponents of the orthodox treatment paradigm - though the NIH and WHO both refused to participate in such a debate on Tony Brown's Journal, following Fauci's directive prohibiting engagement with forbidden ideas.    Aside from those few TV programs and Null's own films, suppression of Null's AIDS cure beyond word of mouth was total. The 2021 documentary The Cost of Denial, produced by the Society for Independent Journalists, tells the story of the Tri-State Healing Center and the medical paradigm that sought to destroy it, lamenting the loss of the lives that might have been saved in a more enlightened society. Nurse practitioner Luanne Pennesi, who treated many of the AIDS patients at the Center, speculated in the film that the refusal by the scientific establishment and AIDS activists to accept their successes was financially motivated. “It was as if they didn't want this information to get out. Understand that our healthcare system as we know it is a corporation, it's a corporate model, and it's about generating revenue. My concern was that maybe they couldn't generate enough revenue from these natural approaches.”5   Funding was certainly the main disciplinary tool Fauci's NIAID used to keep the scientific community in line. Despite the massive community interest in the work being done at the Center, no foundation or institution would defy Fauci and risk getting itself blacklisted, leaving Null to continue funding the operation out of his pocket with the profits from book sales. After 15 years, he left the Center in 1995, convinced the mainstream model had so thoroughly been institutionalized that there was no chance of overthrowing it. He has continued to counsel patients and advocate for a reappraisal of the HIV=AIDS hypothesis and its pharmaceutical treatments, highlighting the deeply flawed science underpinning the model of the disease espoused by the scientific establishment in 39 articles, six documentaries and a 700-page textbook on AIDS, but the Center's achievements have been effectively memory-holed by Fauci's multi-billion-dollar propaganda apparatus.     FRUIT OF THE POISONOUS TREE   To understand just how much of a threat Null's work was to the HIV/AIDS establishment, it is instructive to revisit the 1984 paper, published by Dr. Robert Gallo of the National Cancer Institute, that established HIV as the sole cause of AIDS. The CDC's official recognition of AIDS in 1981 had done little to quell the mounting public panic over the mysterious illness afflicting gay men in the US, as the agency had effectively admitted it had no idea what was causing them to sicken and die. As years passed with no progress determining the causative agent of the plague, activist groups like Gay Men's Health Crisis disrupted public events and threatened further mass civil disobedience as they excoriated the NIH for its sluggish allocation of government science funding to uncovering the cause of the “gay cancer.”6 When Gallo published his paper declaring that the retrovirus we now know as HIV was the sole “probable” cause of AIDS, its simple, single-factor hypothesis was the answer to the scientific establishment's prayers. This was particularly true for Fauci, as the NIAID chief was able to claim the hot new disease as his agency's own domain in what has been described as a “dramatic confrontation” with his rival Sam Broder at the National Cancer Institute. After all, Fauci pointed out, Gallo's findings - presented by Health and Human Services Secretary Margaret Heckler as if they were gospel truth before any other scientists had had a chance to inspect them, never mind conduct a full peer review - clearly classified AIDS as an infectious disease, and not a cancer like the Kaposi's sarcoma which was at the time its most visible manifestation. Money and media attention began pouring in, even as funding for the investigation of other potential causes of AIDS dried up. Having already patented a diagnostic test for “his” retrovirus before introducing it to the world, Gallo was poised for a financial windfall, while Fauci was busily leveraging the discovery into full bureaucratic empire of the US scientific apparatus.   While it would serve as the sole basis for all US government-backed AIDS research to follow - quickly turning Gallo into the most-cited scientist in the world during the 1980s,7 Gallo's “discovery” of HIV was deeply problematic. The sample that yielded the momentous discovery actually belonged to Prof. Luc Montagnier of the French Institut Pasteur, a fact Gallo finally admitted in 1991, four years after a lawsuit from the French government challenged his patent on the HIV antibody test, forcing the US government to negotiate a hasty profit-sharing agreement between Gallo's and Montagnier's labs. That lawsuit triggered a cascade of official investigations into scientific misconduct by Gallo, and evidence submitted during one of these probes, unearthed in 2008 by journalist Janine Roberts, revealed a much deeper problem with the seminal “discovery.” While Gallo's co-author, Mikulas Popovic, had concluded after numerous experiments with the French samples that the virus they contained was not the cause of AIDS, Gallo had drastically altered the paper's conclusion, scribbling his notes in the margins, and submitted it for publication to the journal Science without informing his co-author.   After Roberts shared her discovery with contacts in the scientific community, 37 scientific experts wrote to the journal demanding that Gallo's career-defining HIV paper be retracted from Science for lacking scientific integrity.8 Their call, backed by an endorsement from the 2,600-member scientific organization Rethinking AIDS, was ignored by the publication and by the rest of mainstream science despite - or perhaps because of - its profound implications.   That 2008 letter, addressed to Science editor-in-chief Bruce Alberts and copied to American Association for the Advancement of Science CEO Alan Leshner, is worth reproducing here in its entirety, as it utterly dismantles Gallo's hypothesis - and with them the entire HIV is the sole cause of AIDS dogma upon which the contemporary medical model of the disease rests:   On May 4, 1984 your journal published four papers by a group led by Dr. Robert Gallo. We are writing to express our serious concerns with regard to the integrity and veracity of the lead paper among these four of which Dr. Mikulas Popovic is the lead author.[1] The other three are also of concern because they rely upon the conclusions of the lead paper .[2][3][4]  In the early 1990s, several highly critical reports on the research underlying these papers were produced as a result of governmental inquiries working under the supervision of scientists nominated by the National Academy of Sciences and the Institute of Medicine. The Office of Research Integrity of the US Department of Health and Human Services concluded that the lead paper was “fraught with false and erroneous statements,” and that the “ORI believes that the careless and unacceptable keeping of research records...reflects irresponsible laboratory management that has permanently impaired the ability to retrace the important steps taken.”[5] Further, a Congressional Subcommittee on Oversight and Investigations led by US Representative John D. Dingell of Michigan produced a staff report on the papers which contains scathing criticisms of their integrity.[6]  Despite the publically available record of challenges to their veracity, these papers have remained uncorrected and continue to be part of the scientific record.  What prompts our communication today is the recent revelation of an astonishing number of previously unreported deletions and unjustified alterations made by Gallo to the lead paper. There are several documents originating from Gallo's laboratory that, while available for some time, have only recently been fully analyzed. These include a draft of the lead paper typewritten by Popovic which contains handwritten changes made to it by Gallo.[7] This draft was the key evidence used in the above described inquiries to establish that Gallo had concealed his laboratory's use of a cell culture sample (known as LAV) which it received from the Institut Pasteur.  These earlier inquiries verified that the typed manuscript draft was produced by Popovic who had carried out the recorded experiment while his laboratory chief, Gallo, was in Europe and that, upon his return, Gallo changed the document by hand a few days before it was submitted to Science on March 30, 1984. According to the ORI investigation, “Dr. Gallo systematically rewrote the manuscript for what would become a renowned LTCB [Gallo's laboratory at the National Cancer Institute] paper.”[5]  This document provided the important evidence that established the basis for awarding Dr. Luc Montagnier and Dr. Francoise Barré-Sinoussi the 2008 Nobel Prize in Medicine for the discovery of the AIDS virus by proving it was their samples of LAV that Popovic used in his key experiment. The draft reveals that Popovic had forthrightly admitted using the French samples of LAV renamed as Gallo's virus, HTLV-III, and that Gallo had deleted this admission, concealing their use of LAV.  However, it has not been previously reported that on page three of this same document Gallo had also deleted Popovic's unambiguous statement that, "Despite intensive research efforts, the causative agent of AIDS has not yet been identified,” replacing it in the published paper with a statement that said practically the opposite, namely, “That a retrovirus of the HTLV family might be an etiologic agent of AIDS was suggested by the findings.”  It is clear that the rest of Popovic's typed paper is entirely consistent with his statement that the cause of AIDS had not been found, despite his use of the French LAV. Popovic's final conclusion was that the culture he produced “provides the possibility” for detailed studies. He claimed to have achieved nothing more. At no point in his paper did Popovic attempt to prove that any virus caused AIDS, and it is evident that Gallo concealed these key elements in Popovic's experimental findings.  It is astonishing now to discover these unreported changes to such a seminal document. We can only assume that Gallo's alterations of Popovic's conclusions were not highlighted by earlier inquiries because the focus at the time was on establishing that the sample used by Gallo's lab came from Montagnier and was not independently collected by Gallo. In fact, the only attention paid to the deletions made by Gallo pertains to his effort to hide the identity of the sample. The questions of whether Gallo and Popovic's research proved that LAV or any other virus was the cause of AIDS were clearly not considered.  Related to these questions are other long overlooked documents that merit your attention. One of these is a letter from Dr. Matthew A. Gonda, then Head of the Electron Microscopy Laboratory at the National Cancer Institute, which is addressed to Popovic, copied to Gallo and dated just four days prior to Gallo's submission to Science.[8] In this letter, Gonda remarks on samples he had been sent for imaging because “Dr Gallo wanted these micrographs for publication because they contain HTLV.” He states, “I do not believe any of the particles photographed are of HTLV-I, II or III.” According to Gonda, one sample contained cellular debris, while another had no particles near the size of a retrovirus. Despite Gonda's clearly worded statement, Science published on May 4, 1984 papers attributed to Gallo et al with micrographs attributed to Gonda and described unequivocally as HTLV-III.  In another letter by Gallo, dated one day before he submitted his papers to Science, Gallo states, “It's extremely rare to find fresh cells [from AIDS patients] expressing the virus... cell culture seems to be necessary to induce virus,” a statement which raises the possibility he was working with a laboratory artifact. [9]  Included here are copies of these documents and links to the same. The very serious flaws they reveal in the preparation of the lead paper published in your journal in 1984 prompts our request that this paper be withdrawn. It appears that key experimental findings have been concealed. We further request that the three associated papers published on the same date also be withdrawn as they depend on the accuracy of this paper.  For the scientific record to be reliable, it is vital that papers shown to be flawed, or falsified be retracted. Because a very public record now exists showing that the Gallo papers drew unjustified conclusions, their withdrawal from Science is all the more important to maintain integrity. Future researchers must also understand they cannot rely on the 1984 Gallo papers for statements about HIV and AIDS, and all authors of papers that previously relied on this set of four papers should have the opportunity to consider whether their own conclusions are weakened by these revelations.      Gallo's handwritten revision, submitted without his colleague's knowledge despite multiple experiments that failed to support the new conclusion, was the sole foundation for the HIV=AIDS hypothesis. Had Science published the manuscript the way Popovic had typed it, there would be no AIDS “pandemic” - merely small clusters of people with AIDS. Without a viral hypothesis backing the development of expensive and deadly pharmaceuticals, would Fauci have allowed these patients to learn about the cure that existed all along?   Faced with a potential rebellion, Fauci marshaled the full resources under his control to squelch the publication of the investigations into Gallo and restrict any discussion of competing hypotheses in the scientific and mainstream press, which had been running virus-scare stories full-time since 1984. The effect was total, according to biochemist Dr. Kary Mullis, inventor of the polymerase chain reaction (PCR) procedure. In a 2009 interview, Mullis recalled his own shock when he attempted to unearth the experimental basis for the HIV=AIDS hypothesis. Despite his extensive inquiry into the literature, “there wasn't a scientific reference…[that] said ‘here's how come we know that HIV is the probable cause of AIDS.' There was nothing out there like that.”9 This yawning void at the core of HIV/AIDS “science" turned him into a strident critic of AIDS dogma - and those views made him persona non grata where the scientific press was concerned, suddenly unable to publish a single paper despite having won the Nobel Prize for his invention of the PCR test just weeks before.  10   DISSENT BECOMES “DENIAL”   While many of those who dissent from the orthodox HIV=AIDS view believe HIV plays a role in the development of AIDS, they point to lifestyle and other co-factors as being equally if not more important. Individuals who test positive for HIV can live for decades in perfect health - so long as they don't take AZT or the other toxic antivirals fast-tracked by Fauci's NIAID - but those who developed full-blown AIDS generally engaged in highly risky behaviors like extreme promiscuity and prodigious drug abuse, contracting STDs they took large quantities of antibiotics to treat, further running down their immune systems. While AIDS was largely portrayed as a “gay disease,” it was only the “fast track” gays, hooking up with dozens of partners nightly in sex marathons fueled by “poppers” (nitrate inhalants notorious for their own devastating effects on the immune system), who became sick. Kaposi's sarcoma, one of the original AIDS-defining conditions, was widespread among poppers-using gay men, but never appeared among IV drug users or hemophiliacs, the other two main risk groups during the early years of the epidemic. Even Robert Gallo himself, at a 1994 conference on poppers held by the National Institute on Drug Abuse, would admit that the previously-rare form of skin cancer surging among gay men was not primarily caused by HIV - and that it was immune stimulation, rather than suppression, that was likely responsible.11 Similarly, IV drug users are often riddled with opportunistic infections as their habit depresses the immune system and their focus on maintaining their addiction means that healthier habits - like good nutrition and even basic hygiene - fall by the wayside.    Supporting the call for revising the HIV=AIDS hypothesis to include co-factors is the fact that the mass heterosexual outbreaks long predicted by Fauci and his ilk in seemingly every country on Earth have failed to materialize, except - supposedly - in Africa, where the diagnostic standard for AIDS differs dramatically from those of the West. Given the prohibitively high cost of HIV testing for poor African nations, the WHO in 1985 crafted a diagnostic loophole that became known as the “Bangui definition,” allowing medical professionals to diagnose AIDS in the absence of a test using just clinical symptoms: high fever, persistent cough, at least 30 days of diarrhea, and the loss of 10% of one's body weight within two months. Often suffering from malnutrition and without access to clean drinking water, many of the inhabitants of sub-Saharan Africa fit the bill, especially when the WHO added tuberculosis to the list of AIDS-defining illnesses in 1993 - a move which may be responsible for as many as one half of African “AIDS” cases, according to journalist Christine Johnson. The WHO's former Chief of Global HIV Surveillance, James Chin, acknowledged their manipulation of statistics, but stressed that it was the entire AIDS industry - not just his organization - perpetrating the fraud. “There's the saying that, if you knew what sausages are made of, most people would hesitate to sort of eat them, because they wouldn't like what's in it. And if you knew how HIV/AIDS numbers are cooked, or made up, you would use them with extreme caution,” Chin told an interviewer in 2009.12   With infected numbers stubbornly remaining constant in the US despite Fauci's fearmongering projections of the looming heterosexually-transmitted plague, the CDC in 1993 broadened its definition of AIDS to include asymptomatic (that is, healthy) HIV-positive people with low T-cell counts - an absurd criteria given that an individual's T-cell count can fluctuate by hundreds within a single day. As a result, the number of “AIDS cases” in the US immediately doubled. Supervised by Fauci, the NIAID had been quietly piling on diseases into the “AIDS-related” category for years, bloating the list from just two conditions - pneumocystis carinii pneumonia and Kaposi's sarcoma - to 30 so fast it raised eyebrows among some of science's leading lights. Deeming the entire process “bizarre” and unprecedented, Kary Mullis wondered aloud why no one had called the AIDS establishment out: “There's something wrong here. And it's got to be financial.”13   Indeed, an early CDC public relations campaign was exposed by the Wall Street Journal in 1987 as having deliberately mischaracterized AIDS as a threat to the entire population so as to garner increased public and private funding for what was very much a niche issue, with the risk to average heterosexuals from a single act of sex “smaller than the risk of ever getting hit by lightning.” Ironically, the ads, which sought to humanize AIDS patients in an era when few Americans knew anyone with the disease and more than half the adult population thought infected people should be forced to carry cards warning of their status, could be seen as a reaction to the fear tactics deployed by Fauci early on.14   It's hard to tell where fraud ends and incompetence begins with Gallo's HIV antibody test. Much like Covid-19 would become a “pandemic of testing,” with murder victims and motorcycle crashes lumped into “Covid deaths” thanks to over-sensitized PCR tests that yielded as many as 90% false positives,15 HIV testing is fraught with false positives - and unlike with Covid-19, most people who hear they are HIV-positive still believe they are receiving a death sentence. Due to the difficulty of isolating HIV itself from human samples, the most common diagnostic tests, ELISA and the Western Blot, are designed to detect not the virus but antibodies to it, upending the traditional medical understanding that the presence of antibodies indicates only exposure - and often that the body has actually vanquished the pathogen. Patients are known to test positive for HIV antibodies in the absence of the virus due to at least 70 other conditions, including hepatitis, lupus, rheumatoid arthritis, syphilis, recent vaccination or even pregnancy. (https://www.chcfl.org/diseases-that-can-cause-a-false-positive-hiv-test/) Positive results are often followed up with a PCR “viral load” test, even though the inventor of the PCR technique Kary Mullis famously condemned its misuse as a tool for diagnosing infection. Packaging inserts for all three tests warn the user that they cannot be reliably used to diagnose HIV.16 The ELISA HIV antibody test explicitly states: “At present there is no recognized standard for establishing the presence and absence of HIV antibody in human blood.”17   That the public remains largely unaware of these and other massive holes in the supposedly airtight HIV=AIDS=DEATH paradigm is a testament to Fauci's multi-layered control of the press. Like the writers of the Great Barrington Declaration and other Covid-19 dissidents, scientists who question HIV/AIDS dogma have been brutally punished for their heresy, no matter how prestigious their prior standing in the field and no matter how much evidence they have for their own claims. In 1987, the year the FDA's approval of AZT made AIDS the most profitable epidemic yet (a dubious designation Covid-19 has since surpassed), Fauci made it clearer than ever that scientific inquiry and debate - the basis of the scientific method - would no longer be welcome in the American public health sector, eliminating retrovirologist Peter Duesberg, then one of the most prominent opponents of the HIV=AIDS hypothesis, from the scientific conversation with a professional disemboweling that would make a cartel hitman blush. Duesberg had just eviscerated Gallo's 1984 HIV paper with an article of his own in the journal Cancer Research, pointing out that retroviruses had never before been found to cause a single disease in humans - let alone 30 AIDS-defining diseases. Rather than allow Gallo or any of the other scientists in his camp to respond to the challenge, Fauci waged a scorched-earth campaign against Duesberg, who had until then been one of the most highly regarded researchers in his field. Every research grant he requested was denied; every media appearance was canceled or preempted. The University of California at Berkeley, unable to fully fire him due to tenure, took away his lab, his graduate students, and the rest of his funding. The few colleagues who dared speak up for him in public were also attacked, while enemies and opportunists were encouraged to slander Duesberg at the conferences he was barred from attending and in the journals that would no longer publish his replies. When Duesberg was summoned to the White House later that year by then-President Ronald Reagan to debate Fauci on the origins of AIDS, Fauci convinced the president to cancel, allegedly pulling rank on the Commander-in-Chief with an accusation that the “White House was interfering in scientific matters that belonged to the NIH and the Office of Science and Technology Assessment.” After seven years of this treatment, Duesberg was contacted by NIH official Stephen O'Brien and offered an escape from professional purgatory. He could have “everything back,” he was told, and shown a manuscript of a scientific paper - apparently commissioned by the editor of the journal Nature - “HIV Causes AIDS: Koch's Postulates Fulfilled” with his own name listed alongside O'Brien's as an author.18 His refusal to take the bribe effectively guaranteed the epithet “AIDS denier” will appear on his tombstone. The character assassination of Duesberg became a template that would be deployed to great effectiveness wherever Fauci encountered dissent - never debate, only demonize, deplatform and destroy.    Even Luc Montagnier, the real discoverer of HIV, soon found himself on the wrong side of the Fauci machine. With his 1990 declaration that “the HIV virus [by itself] is harmless and passive, a benign virus,” Montagnier began distancing himself from Gallo's fraud, effectively placing a target on his own back. In a 1995 interview, he elaborated: “four factors that have come together to account for the sudden epidemic [of AIDS]: HIV presence, immune hyper-activation, increased sexually transmitted disease incidence, sexual behavior changes and other behavioral changes” such as drug use, poor nutrition and stress - all of which he said had to occur “essentially simultaneously” for HIV to be transmitted, creating the modern epidemic. Like the professionals at the Tri-State Healing Center, Montagnier advocated for the use of antioxidants like vitamin C and N-acetyl cysteine, naming oxidative stress as a critical factor in the progression from HIV to AIDS.19 When Montagnier died in 2022, Fauci's media mouthpieces sneered that the scientist (who was awarded the Nobel Prize in 2008 for his discovery of HIV, despite his flagging faith in that discovery's significance) “started espousing views devoid of a scientific basis” in the late 2000s, leading him to be “shunned by the scientific community.”20 In a particularly egregious jab, the Washington Post's obit sings the praises of Robert Gallo, implying it was the American scientist who really should have won the Nobel for HIV, while dismissing as “

You might be surprised to learn that most Americans are satisfied with their healthcare insurance. But the rest are more than a little dissatisfied.A vocal minority of health insurance policyholders are frustrated with their insurers for any number of legitimate reasons. If you're in this group, you don't want to miss today's show. Lauren Gajdek joins us with details about an efficient, affordable alternative to health insurance.Lauren Gajdek is the Vice President of Communications and Media at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why Are People Frustrated with Traditional Health Insurance?Healthcare is a significant concern for many families, especially as costs continue to rise. Christian Healthcare Ministries (CHM) offers an alternative rooted in faith and community support for those who feel frustrated with traditional health insurance. 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However, people generally seem to be pretty happy with their insurance—if they haven't had to use it. Many individuals benefit from government subsidies or employer-sponsored plans, but satisfaction drops significantly when it comes time to submit claims and navigate the system. The more people engage with their insurance provider, the more dissatisfied they tend to become.How Does Medical Cost Sharing Work?CHM stands apart as an alternative to health insurance. Since their founding in 1981, they have shared nearly $12 billion in medical bills for its members. People are looking for something that aligns with their faith and upholds their values, and that's where CHM steps in.With over 40 years of experience, CHM provides a trusted solution for Christians who want a healthcare option that reflects their beliefs.Unlike traditional insurance, CHM is a healthcare cost-sharing ministry. Members are considered self-pay, meaning they pay medical providers directly, but CHM shares 100% of qualifying medical bills based on established guidelines.Key features of CHM include:Flexible Program Options—Monthly contributions range from $98 to $255 per person, allowing families to tailor their plans to their needs and budget. No Network Restrictions—Members can choose their own providers and are not limited to specific hospitals or doctors. Community of Support—Members help bear one another's burdens, fulfilling a biblical model of care and stewardship.While the concept may initially seem unfamiliar, CHM's long track record of faithfulness and financial stewardship reassures members that their medical needs will be met.A Faith-Based Healthcare AlternativeFor many believers, CHM has proven to be a perfect fit, providing financial relief and peace of mind. To learn more about how medical cost-sharing could benefit your family, visit chministries.org/faith.If you've felt burdened by the complexities of traditional insurance, CHM may be the blessing you've been looking for.On Today's Program, Rob Answers Listener Questions:I'm trying to find out if there is anything available, like a lower-interest loan, to help me pay off my credit card debt. I have about $45,000 in debt, and I'm okay with paying it down, but I'd like to find a lower interest rate than the 14% I'm currently paying.My husband and I are both 77 years old, and I'm totally blind and he has several health problems. We'd like to set up an irrevocable trust to avoid probate when one of us passes away, but we don't have a lot of money. I'm not sure how to go about getting an elder law attorney to help us with this.I'm wondering if I should consider purchasing a long-term care insurance policy. I'm 77 years old, and I know that the majority of Americans over 65 will need some form of long-term care, which can be very expensive. I'm trying to figure out if getting a long-term care policy makes sense for my situation.I'm retiring soon and have a lump sum of money from my company's retirement plan. I don't want to take the lump sum and have 20% withheld in taxes. Instead, I'd like to roll the money over into a CD or similar safe investment where it can grow, but my company doesn't allow that. I'm not comfortable investing in stocks, so I'm looking for a way to keep the money safe and growing.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineChristian Healthcare Ministries (CHM)Christian Credit CounselorsBankrate.com Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

After just a few years on the market, a new wave of GLP-1 drugs approved for weight loss have upended what we know about obesity. By now, these are household names: Mounjaro. Wegovy. Zepbound… and yes, Ozempic. A Kaiser Family Foundation poll found that one in 8 American adults reported trying a GLP-1 medication. “Body by Ozempic” has become a punchline on red carpets. Doctors and regulators have a strong body of evidence that GLP-1 drugs are remarkably effective at promoting weight loss and controlling diabetes.But new research looking at millions of patients in the VA medical system has suggested they may have surprising effects on a range of other medical conditions – from cognitive diseases like Alzheimer’s to substance use disorder. The new data also found possible side effects that were not previously known. Soundside spoke with Dr. David Cummings, professor of medicine in the Division of Metabolism, Endocrinology and Nutrition at the University of Washington, about recent data dives into the widespread use of GLP-1 medications, and what those studies tell us about how we can rethink obesity. Guests: Dr. David Cummings, professor of medicine in the Division of Metabolism, Endocrinology and Nutrition at the University of Washington. Related Links: Sweeping review suggests weight-loss drugs’ effect on 175 conditions - The Washington Post End of the Line for BMI? Experts Propose New Obesity Definition - Newsweek Most people quit Ozempic within one year. Here's why. Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes Soundside is a production of KUOW in Seattle, a proud member of the NPR Network.See omnystudio.com/listener for privacy information.

The rising cost of healthcare continues to strain employers and employees alike. With premiums climbing at a rate outpacing inflation, many organizations are burdened with high costs and subpar outcomes. Employer-built healthcare models are emerging as a potential solution, enabling organizations to take control of their healthcare systems. According to the Kaiser Family Foundation, the average family health insurance premium reached $23,968 in 2023, underscoring the pressing need for innovative solutions.How can employers control costs while ensuring quality care for their workforce?This episode of I Don't Care delves into this challenge. Host Kevin Stevenson speaks with Carl Schuessler, Managing Principal of Mitigate Partners, about “employer-built healthcare.” The discussion explores how organizations can reclaim control over healthcare costs by addressing inefficiencies, eliminating middlemen, and focusing on patient-centric care.Key Takeaways from the Episode:Six Deficiencies in Legacy Healthcare: Schuessler outlines six critical flaws in traditional healthcare systems, including lack of transparency, embedded conflicts of interest, and the traditional PPO discount model.Transformative Case Studies: Mitigate Partners has saved organizations millions, including a Florida school district that cut costs by $65 million over five years while improving access to care for employees.Practical Tips for Employers: Schuessler emphasizes the importance of partnering with independent benefits advisors and actively managing healthcare plans to achieve better outcomes.Carl C. Schuessler, Jr., DHP, DIA, GBDS, is a seasoned professional with over 35 years of experience specializing in employer-built health plans that reduce costs and improve employee benefits. As the Managing Principal of Mitigate Partners, he has developed innovative solutions like the FairCo$t Health Plan, helping clients achieve significant savings—up to $8.2 million over eight years—while enhancing benefits and ensuring cost predictability. His expertise extends across risk management, employee benefits, and financial planning, with a focus on creating customized, data-driven strategies that retain top talent and improve organizational cash flow.

Send us a textThe United States is awash in medical debt.  How much is there? Hard to say but Kaiser Family Foundation has an estimate of $220 billion and, yes, that's billion with a b.Enter CFPB, the Consumer Financial Protection Bureau which believes there is a lot of double billing, inflated charges and downright illegal medical debt collection tactics.  CFPB is looking at banning reporting of medical debt to credit bureaus which the agency says unjustly lowers the credit scores of some 15 million Americans.Which is why we brought Jeff Grobaski back on the show. CEO of Fort Collins CO based Epic River, a lending as a service provider that helps medical practitioners and hospitals place their unpaid debts at credit unions which pay no fees for the paper and, even better, the credit union assumes little risk.Nada.Grobaski was on the show a year ago but the question now is how do the CFPB proposals impact what Epic River is doing?The other question is why are hospitals and doctors happily turning that paper over to Epic River.  Grobaski explains in the show. It really is a win-win-win, for the patient with debts, for the medical provider with bad paper on his books, and for the credit union that can turn that loan into performing paper and in the process acquire a new member.  This sounds too good to be true? Listen to Grobaski - he gives the nuts and bolts in the show.Grobaski, incidentally, is a finalist in this year's credit union luminaries sweepstakes. As the pub said, “Under Grobaski's leadership, Epic River has been able to connect credit unions with local health care providers to improve patients' ability to pay through low- or no-interest loans. Epic River's program accelerates patient payment, minimizes collection expenses and enhances cash flow for participating health care providers.”Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.comAnd like this podcast on whatever service you use to stream it. That matters.Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

Larry Levitt, Executive Vice President for Health Policy at Kaiser Family Foundation, joins the show to talk about Trump's nomination of RFK, Jr. to lead the Department of Health and Human Services, possible cuts to the Affordable Care Act and Medicaid, and how states should respond. Colin and Erin also discuss Trump's extreme personnel choices and speak with Cait Smith, director of LGBTQI+ Policy at the Center for American Progress Action Fund, about protecting transgender Americans.

David W. Johnson and Julie Murchinson unwrapped the candy from the new Kaiser Family Foundation employer health benefits report to find out what it means for healthcare. Hear them sort through the related tricks and treats on, “Healthcare Tricks and Treats From the New KFF Employer Health Benefits Report,” the new episode of the 4sight Health Roundup podcast. 

As we celebrate National Health Education Week, Dina dishes about the critical connection between health education and nutrition. Food is fundamental to our well-being, yet many of us don't fully understand how the choices we make every day impact our long-term health. But here's the good news: through education, we can empower ourselves to make better decisions, manage chronic conditions, and improve our overall quality of life. Get involved and learn more at: - Ballotpedia (https://ballotpedia.org/): A comprehensive source for learning about candidates and their stances on various issues, including healthcare and public health policies. - The Kaiser Family Foundation (https://www.kff.org/): Offers nonpartisan analysis of healthcare policies and public health issues. - Vote Smart (https://justfacts.votesmart.org/): Provides detailed voting records on key issues, so you can see how your elected officials have voted on health-related policies. You can connect with Dina on Instagram (⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/dishwithdina/⁠⁠⁠⁠⁠⁠⁠⁠) and check out her website at ⁠⁠⁠⁠⁠⁠⁠https://dishwithdina.com/⁠⁠⁠⁠⁠⁠⁠. If you enjoyed this podcast, please subscribe, leave a review, and share it with others! You can also submit listener feedback or request to be a guest on a future episode by completing this form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/9cNwB7gfMZQKNUjU8 Help support this podcast for as little as $0.99/month: https://podcasters.spotify.com/pod/show/dishwithdina/support --- Support this podcast: https://podcasters.spotify.com/pod/show/dishwithdina/support

There's no question about it: our youth are experiencing a mental health crisis. A February 2024 study by the nonprofit, "Kaiser Family Foundation", found that 1 in 5 adolescents reported symptoms of depression and anxiety. In 2023, researchers at Harvard found that 40% of teens said that they wanted their parents to reach out more and ask how they're really doing. But so many parents and caregivers struggle with how to go about doing that! That's why Nicole is talking with mental health expert, Dr. Charmain F. Jackman. She is a licensed psychologist, author, and TedX speaker, and a regular contributor to the PBS "Teachers' Lounge" column. In this episode you'll learn how to: help our kids identify and articulate how they're feeling, how to approach hard conversations with your child (of all ages), learn about the concerning signs to be on the lookout that'd indicate that your child is struggling in the mental health realm, and much more! -----------------------------------SHOW NOTES:Host: Nicole Nalepa | @NicoleNalepaTVGuest: Dr. Charmain F. JackmanInstagram: @askdrcharmainWebsite: https://www.drcharmainjackman.com/

In this eye-opening episode, we dive deep into the challenges facing American families today, going beyond breastfeeding to explore the critical need for comprehensive family support policies in the United States. We examine the benefits of breastfeeding, but also address the systemic barriers that prevent many parents from making this choice. Key Topics Covered: The benefits and challenges of breastfeeding The stark reality of paid parental leave in the US compared to other countries The rising costs of childcare and its impact on families The staggering healthcare expenses for American families How companies like IKEA are stepping up to support their employees The urgent need for policy changes to support families Key Statistics: - Only 55.8% of infants are still breastfed at 6 months - The US is the only wealthy nation without nationwide paid parental leave - Average annual cost of childcare: $13,000 per family - Average health insurance cost for a family of four: $23,968 per year - Healthcare premiums have increased by 22% over the past five years Featured Example: We highlight IKEA's recent efforts to support their workforce, including wage increases, improved parental leave benefits, flexible work arrangements, and innovative retention strategies. Call to Action: We encourage listeners to advocate for family-friendly policies, support businesses that prioritize employee well-being, and stay informed about proposed legislation that could impact families. Resources Mentioned: - American Academy of Pediatrics breastfeeding recommendations - UNICEF report on child-care policies in wealthy nations - Center for American Progress research on childcare costs - Kaiser Family Foundation data on healthcare costs Join us as we explore how investing in families through paid leave, affordable childcare, and healthcare reform can transform America and create a more supportive environment for all families. Tracy's Bio: Tracy Cherpeski is a Business Consultant and Executive Coach. She supports her clients in taking back their time ad scaling this practices without sacrificing their well-being. Tracy's consulting and coaching programs help her clients master strategic planning, leadership and mindset. She believes in people's unlimited potential and loves celebrating the success of her clients and their teams. Tracy founded Tracy Cherpeski International in 2011 and Thriving Practice Community in 2024, and serves clients all over the world. She is the host and Executive Producer of the Thriving Practice podcast.  Connect With Us: Be a Guest on the Show Thriving Practice Community Schedule Strategy Session with Tracy Tracy's LinkedIn Business LinkedIn Page Thriving Practice Community Instagram

America Out Loud PULSE with Dr. Marilyn Singleton – Medical debt is especially concerning for many Americans. According to an investigation by NPR and Kaiser Family Foundation, more than 100 million Americans, including 41 percent of adults, carried medical debt in 2022. There are disturbing stories like the 76-year-old man who killed his wife because he could no longer take care of her or pay the bills...

The Childhood Vaccine Schedule and Covid Vaccine Injury Presentation and Webinar. Dr. Peter McCullough, Professor Brian Hooker, Ph.D,  Senator Ron Johnson, Dr. Scott Mitchell, Dr. Ryan Cole and Dr. Kirk A Milhoan. Dr. McCullough Delivers Message All Parents Need to Hear “This childhood vaccine schedule is not what we thought... I'm telling you, in total, it doesn't look good.” The 1986 Vaccine Injury Act even admits vaccines come with “unavoidable harms.” Five separate studies now show that “if children go natural, no vaccines whatsoever, they have the best outcomes.” “When I was a kid, the rate of autism was one in 10,000. Now it's one in 36,” @P_McCulloughMD explained. “And there's about 200 published manuscripts showing it's immune system dysregulation.” “And the vignettes, the mothers tell us that the child was fine up until the time they took multiple rounds of vaccines, and then they developed autism. Those vignettes are almost certainly correct. We can't pin it down to any single vaccine. But I'm telling you, in total, it doesn't look good. This epidemic of autism is a tsunami. And you know how many, many mothers now — [a] recent Kaiser Family Foundation survey shows about a third of mothers and young fathers going natural.”   The Vigilant Fox  “The CDC has never looked at long-term health outcomes of vaccinated versus unvaccinated children,” attested Professor Brian Hooker, Ph.D., during a presentation to the World Council of Health. Brian Hooker is senior director of science and research at Children's Health Defense and professor emeritus of biology at Simpson University in Redding, California, who has been doing advocacy and research around vaccine safety for 20 years. In light of the CDC's unwillingness to conduct long-term studies comparing vaccinated and unvaccinated children, Dr. Hooker took it upon himself to aggregate and conduct such studies. This is what he found. Top of Form Bottom of Form Dr. Hooker presented a study from Anthony R. Mawson and colleagues. This study collected information from moms who homeschooled their children and focused on children between the ages of 6 and 12. Link to Study Comparing the vaccinated and the unvaccinated, Mawson and colleagues discovered something stark. The odds ratios for a number of illnesses were through the roof for the vaccinated cohort. Children in the vaccinated population were found to be a staggering 30 times more likely to have allergic rhinitis compared to the unvaccinated children. A similar story followed for other conditions. Vaccinated children in Mawson's study were found to be 3.9 times more likely to have allergies, 4.2 times more likely to have ADHD, 4.2 times more likely to have autism, 2.9 times more likely to have eczema, 5.2 times more likely to have a learning disability, and 3.7 times more likely to have a neurodevelopmental disorder compared to the unvaccinated children. Dr. Mawson's research paper was initially published in the journal Frontiers in Public Health and gained considerable attention, accumulating over 80,000 views within the first three days. After widespread attention, the journal subsequently removed the paper, stating that it had never been fully accepted despite its earlier publication. The article underwent another round of peer review and was ultimately rejected by Frontiers. Undeterred by this turn of events, Dr. Mawson went on to republish his paper in the Journal of Translational Science in 2017. Critics will say, “This is just one study.” Well, Professor Brian Hooker and Democratic Presidential candidate Robert F. Kennedy Jr. have accomplished quite the feat, compiling over 100 other studies like Mawson's comparing health outcomes between vaccinated and unvaccinated children. And what they've found is quite remarkable. Unvaccinated children consistently have better health outcomes than vaccinated children. The book is called Vax-Unvax: Let the Science Speak. You can check it out here. Dr. Hooker's full presentation with the World Council for Health is available to watch here.     Covid Vaccines - The Devastating Health Crisis in the Channel Islands & Around the World CI UK Alliance 220 followers Watch the entire webinar at- NewsChannel IslandsCovid ResponseHealth ConcernsVaccine DamageExcess DeathsmRNAAndrew BridgenSenator Ron JohnsonDr Peter A McCulloughProfessor Angus Dalgleish or https://rumble.com/v4ryjyt-covid-vaccines-the-devastating-health-crisis-in-the-channel-islands-and-aro.html   Webinar recorded Friday 26th April 2024 chaired by Senator Ron Johnson with Andrew Bridgen MP and esteemed medical professionals including Dr. Peter A McCullough, Professor Angus Dalgleish, Dr. Dean Patterson, Dr. Scott Mitchell, Dr. Ryan Cole and Dr. Kirk A Milhoan.   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. 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The Santa Monica City Council recently voted to explore compensating the descendants of a Black man named Silas White for his plot of land on Ocean Ave. New analysis from the Kaiser Family Foundation shows that Medicare spending on weight loss drugs like Ozempic rose to $5.7 billion in 2022 — up from $57 million in 2018. LA City Council officials have announced plans to eliminate traffic lanes, widen sidewalks, and add bike and bus lanes to the storied Hollywood Boulevard. An excerpt from KCRW's Life Examined talks about building community despite our isolated lifestyles. Plus, hear practical tips for forging meaningful connections. When vegetables begin to flower, they're reaching the end of their life cycles. But you can still eat the plants, which have an added sweetness or bitterness.

It's Wednesday, March 13th, A.D. 2024. This is The Worldview in 5 Minutes heard at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Haitian unrest continues Civil unrest in Haiti is affecting churches across the Caribbean nation. Christian leaders and missionaries have faced abduction for years as gang activity has increased. Archbishop Max Leroy Mésidor of Port-au-Prince told Aid to the Church in Need, “There are kidnappings everywhere. As soon as you leave [the capital], you are in danger. … The gangs even come into the churches to kidnap the people there. … We must bear our cross and follow Christ. … The most important thing is that the Church continues to bring people together despite all the difficulties.” Haitian Prime Minister to resign over gang violence On Monday, Haiti's Prime Minister Ariel Henry announced he will step down in response to widespread gang violence. Last week, armed groups freed thousands of inmates from two of Haiti's largest prisons. Gangs now control about 80% of the country's capital. The United Nations estimates that 1.5 million people are starving during the unrest. Dr. David Vanderpool, who heads LiveBeyond, a ministry to Haiti, talked to CBN News. VANDERPOOL: “This is sort of the culmination of gangs running the country for the last three or four years. The government has collapsed. The President was assassinated in 2021. The judiciary was also terminated as well as the parliament. So, there's not been an effective government in place since 2021. “The gangs have had full run of the country. We need to pray for the safety of the individuals, especially the vulnerable populations, pregnant women and children, older people. We need to pray that we're able to get food and medicine into Haiti.” Trump loyalists cut 60 jobs at Republican National Committee In the United States, former President Donald Trump continues to cement his control of the Republican National Committee. Last week, he overwhelmingly won Republican primaries on Super Tuesday. Last Friday, the Republican National Committee voted to make Michael Whatley its new chair and Lara Trump its co-chair. Whatley was the chair of the North Carolina Republican Party and fully supports Trump. Lara is Trump's daughter-in-law.  Just days after installing his new leadership team at the Republican National Committee, Trump's lieutenants cut dozens of staff across key departments, reports the Associated Press. More than 60 people were fired in all, including senior staff in the political, data and communications departments inside the committee's Washington headquarters. Only 12% of voters say abortion most important issue A new poll from the Kaiser Family Foundation found only 12% of voters say abortion is the most important issue for their vote this year. Of those who said abortion is the most important issue, most of them were young, Democrat voters. Republicans were more likely to view abortion as a moral issue than Democrats. But 43% of Republicans support abortion in all or most cases. Only 14% say abortion should be illegal. U.S. gov't identifying Christians & Trump-aligned citizens as threat Alliance Defending Freedom has shared a disturbing report from a U.S. congressional subcommittee about federal surveillance. According to the report, the government used banks to identify Americans it deemed as threats based on their financial activity related to religion and politics. People could get flagged for keywords like “MAGA” and “TRUMP” or even the purchase of books including religious texts. Inflation up again Inflation continued to increase last month. The consumer price index rose 0.4% during February. That's up 3.2% compared to a year before.  Rising energy and shelter costs were behind the inflation which is still about the Federal Reserve's target of 2%. The Fed is still expected to cut interest rates at some point this year. Americans upset with bad economy Pew Research released a survey on Americans' top policy priorities after President Joe Biden delivered his State of the Union address last Thursday. The most important issue to most Americans was strengthening the economy. Most U.S. adults are also very concerned about the price of food, consumer goods, and housing. In Matthew 6:31-33, Jesus reminds us, “Do not worry, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?' For after all these things the Gentiles seek. For your Heavenly Father knows that you need all these things. But seek first the kingdom of God and His righteousness, and all these things shall be added to you.” Franklin Graham concludes 10-city tour of Southern border And finally, over the weekend, Evangelist Franklin Graham concluded his "God Loves You, Frontera Tour." He shared the Gospel of Jesus Christ in 10 cities across Texas, Arizona, and California that are facing the brunt of the border crisis. Graham told CBN News he's seen the highest response to the Gospel during the tour than anywhere else in the U.S. GRAHAM: “This is kind of a forgotten part of the United States. Very poor, this border area. You have cartel people who take advantage and smugglers that take advantage. And you've got just good people that live here. They get caught in the middle of all this stuff. People are hungry, they're hurting, and they're hungry for truth.” In Matthew 11:28, Jesus said, “Come to Me, all you who labor and are heavy laden, and I will give you rest.” Close And that's The Worldview in 5 Minutes on this Wednesday, March 13th in the year of our Lord 2024. Subscribe by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

This is Garrison Hardie with your CrossPolitic Daily News Brief for Thursday, January 25th, 2024. Fight Laugh Feast Magazine Our Fight Laugh Feast Magazine is a quarterly issue that packs a punch like a 21 year Balvenie, no ice. We don’t water down our scotch, why would we water down our theology? Order a yearly subscription for yourself and then send a couple yearly subscriptions to your friends who have been drinking luke-warm evangelical cool-aid. Every quarter we promise quality food for the soul, wine for the heart, and some Red Bull for turning over tables. Our magazine will include cultural commentary, a Psalm of the quarter, recipes for feasting, laughter sprinkled through out the glossy pages, and more. Sign up today, at fightlaughfeast.com. https://www.breitbart.com/2024-election/2024/01/24/calls-grow-louder-for-haley-to-drop-out-of-gop-primary/ Calls Grow Louder for Haley to Drop Out of GOP Primary Demands grew louder for former Gov. Nikki Haley to drop out of the GOP primary race on Tuesday after placing second in New Hampshire to former President Donald Trump. Many Republicans believe Haley should leave the race so all available GOP resources can be allocated towards defeating President Joe Biden. Republicans spent over $167 million in losing efforts to defeat Trump in New Hampshire and Iowa, with plans to release millions more in future primaries. https://twitter.com/i/status/1750015374639390818 - Play Video After Gov. Ron DeSantis (R) exited the race Sunday, Haley’s path to the nomination did not appear to improve. In fact, Gov. Ron DeSantis’ endorsement of Trump further consolidated support behind the former president, placing pressure on Haley to also end her fledgling campaign. In all states besides New Hampshire, Trump leads by no less than 30 points. Sen. Tom Cotton (R-AR) said Trump is the de facto GOP nominee moving forward. “Congratulations to President Trump on another decisive win in New Hampshire and becoming the presumptive nominee of our party,” he said. Gov. Kristi Noem (R-SD) congratulated Trump on his big win Tuesday evening: “To no one’s surprise, @realDonaldTrump won BIG tonight in New Hampshire. President Trump’s message is resonating with voters. It’s only a matter of time until 45 becomes 47. Congratulations, Mr. President!” CEO of the Federalist Sean Davis urged Haley to drop out, noting that if she did not, she would be “fully owned by the left-wing Democrats.” “If Nikki Haley’s primary goal is to defeat Joe Biden in November, she will drop out tonight and endorse Trump. If she continues to stay in a race she cannot win just to attack Trump, then we’ll know she’s fully owned by the left-wing Democrats who are funding her campaign,” he said. Social media influencer Ryan Fournier demanded Haley just give up and drop out. “Nikki Haley is refusing to drop out, claiming “this race is far from over.” It’s been over from the start. You all betted on the worst happening to Trump to secure victory. It’s time to give it up.,” he said. Nate Cohn, the New York Times’ chief political analyst, wrote on Monday the polling undoubtedly shows Haley’s inevitable resignation from the race, so Trump can turn his focus to defeating President Joe Biden. “So, without a monumental shift in the race, he will secure the nomination in short order,” he said. “Too little, too late,” Haley backer and a former chairman of the New Hampshire Republican Party, Fergus Cullen, told the New York Times about Haley’s prospects. “She had to inspire and engage unaffiliated voters, and I just haven’t seen her doing what she needs to do to reach that audience and turn them out in the numbers that she needs.” https://www.washingtonexaminer.com/policy/immigration/2814985/biden-administration-demands-texas-grant-dhs-access-border/ Biden administration demands Texas grant border access following Supreme Court decision The Biden administration has demanded the state of Texas relinquish control of a 2.5-mile strip of land on the border and grant federal agents access following a Supreme Court decision that gave Border Patrol agents to slash state-installed razor wire. The Department of Homeland Security sent Attorney General Ken Paxton (R-TX) a letter Tuesday obtained first by the Washington Examiner in which General Counsel Jonathan Meyer called out the state for its inaction after the highest court rescinded an appeal court injunction and allowed federal police to cut down razor wire fencing in Eagle Pass in order to rescue and apprehend illegal immigrants as they cross the Rio Grande. “The state has alleged that Shelby Park is open to the public, but we do not believe this statement is accurate,” Meyer said. “To our knowledge, Texas has only permitted access to Shelby Park by allowing public entry for a memorial, the media, and use of the golf course adjacent to Shelby Park, all while continuing to restrict U.S. Border Patrol’s access to the park.” Meyer said the Supreme Court decision allowed federal law enforcement not only to cut wire at the border but to be present on the border, the latter of which has not been possible since the Texas National Guard commandeered the 2.5-mile strip of city land and locked out all federal employees on Jan. 10. “As you are aware, yesterday, the Supreme Court vacated the injunction prohibiting the Department from cutting or moving the concertina wire that Texas had placed along the border except in case of emergency, and restored the Department’s right to cut and move the concertina wire placed by Texas in order to perform their statutory duties,” Meyer wrote. “The Department must also have the ability to access the border in the Shelby Park area that is currently obstructed by Texas.” But despite the court’s decision, Texas National Guard soldiers reaffirmed the state’s position Tuesday. Soldiers in Eagle Pass installed more razor wire at the river and laid out more fencing and concertina wire despite the rain that swept through the region Tuesday, according to video. The DHS maintained in its letter that it had the upper ground in terms of legal ground that allowed its personnel to be on city land along the border. It cited the U.S. Code, in which the department acquired permanent real estate interests in and around Eagle Pass in 2008 to build border wall barriers in the vicinity. “Because the Department owns property rights to the areas depicted on the attached map, we demand that you immediately remove any and all obstructions on it,” Meyer said. Border Patrol still has limited access to a boat ramp within Shelby Park despite the state’s initial concession earlier in the land seizure to let agents load and unload a boat into the river. Meyer called for full access to the boat ramp and river. The Biden administration had threatened Gov. Greg Abbott (R-TX) with legal action on Jan. 14 if Texas did not relinquish control of land, but has not followed up with a lawsuit. “We demand that Texas cease and desist its efforts to block Border Patrol’s access in and around the Shelby Park area and remove all barriers to access in the Shelby Park area,” Meyer told Paxton in the letter. The showdown between state and federal leaders comes 12 days after three immigrants drowned attempting to wade across the river from Mexico on Jan. 12. Border Patrol officials in Eagle Pass were alerted to immigrants who had drowned and two others in distress and attempted to respond but were denied access at a gate into the state-seized land. The state has taken issue with Border Patrol cutting its wire on the basis that the wire would deter and prevent more illegal immigration. Federal law enforcement agents are required to arrest anyone who has illegally entered the country or is illegally present, including those who cross the river and are blocked from continuing up the riverbank by the razor wire. https://www.newsmax.com/world/globaltalk/holocaust-survivors-numbers-report-claims-conference/2024/01/23/id/1150570/ Almost 80 Years after the Holocaust, 245,000 Jewish Survivors Are Still Alive Almost 80 years after the Holocaust, about 245,000 Jewish survivors are still living across more than 90 countries, a new report revealed Tuesday. Nearly half of them, or 49%, are living in Israel; 18% are in Western Europe, 16% in the United States, and 12% in countries of the former Soviet Union, according to a study by the New York-based Conference on Jewish Material Claims Against Germany, also referred to as the Claims Conference. Before the publication of the demographic report, there were only vague estimates about how many Holocaust survivors are still alive. Their numbers are quickly dwindling, as most are very old and often of frail health, with a median age of 86. Twenty percent of survivors are older than 90, and more women (61%) than men (39%) are still alive. The vast majority, or 96% of survivors, are “child survivors” who were born after 1928, says the report “Holocaust Survivors Worldwide. A Demographic Overview'” which is based on figures that were collected up until August. “The numbers in this report are interesting, but it is also important to look past the numbers to see the individuals they represent,” said Greg Schneider, the Claims Conference’s executive vice president. “These are Jews who were born into a world that wanted to see them murdered. They endured the atrocities of the Holocaust in their youth and were forced to rebuild an entire life out of the ashes of the camps and ghettos that ended their families and communities." Six million European Jews and people from other minorities were killed by the Nazis and their collaborators during the Holocaust. It is not clear exactly how many Jews survived the death camps, the ghettos or somewhere in hiding across Nazi-occupied Europe, but their numbers were a far cry from the pre-war Jewish population in Europe. In Poland, of the 3.3 million Jews living there in 1939, only about 300,000 survived. Around 560,000 Jews lived in Germany in 1933, the year Adolf Hitler came to power. At the end of World War II in 1945, their numbers had diminished to about 15,000 — through emigration and extermination. Germany's Jewish community grew again after 1990, when more than 215,000 Jewish migrants and their families came from countries of the former Soviet Union, some of them also survivors. Nowadays, only 14,200 survivors still live in Germany, the demographic report concluded. For its new report, the Claims Conference said it defined Holocaust survivors "based on agreements with the German government in assessing eligibility for compensation programs.” For Germany, that definition includes all Jews who lived in the country from Jan. 30, 1933, when Hitler came to power, to May 1945, when Germany surrendered unconditionally in World War II. The group handles claims on behalf of Jews who suffered under the Nazis and negotiates compensation with Germany's finance ministry every year. In June, the Claims Conference said that Germany has agreed to extend another $1.4 billion, (1.29 billion euros), overall for Holocaust survivors around the globe for 2024. Since 1952, the German government has paid more than $90 billion to individuals for suffering and losses resulting from persecution by the Nazis. https://www.foxbusiness.com/politics/nyc-mayor-eric-adams-announces-2-billion-medical-debt-bailout-500000-residents NYC Mayor Eric Adams announces $2B medical debt bailout for up to 500K residents New York City Mayor Eric Adams announced on Monday a plan to buy up millions of dollars in medical debt owed by hundreds of thousands of New Yorkers. In what the mayor said would be a "one-time" deal, the city will spend $18 million in taxpayer funds over the next three years to pay off medical debt owed by up to 500,000 residents. Officials estimate that the program will wipe out over $2 billion of medical debt owed in what they call the "largest municipal initiative of its kind in the country." "Getting health care shouldn't be a burden that weighs on New Yorkers and their families," Adams said in a statement. "Since day one, our administration has been driven by the clear mission of supporting working-class New Yorkers and today's investment that will provide $2 billion in medical debt relief is another major step in delivering on that vision. Up to half a million New Yorkers will see their medical debt wiped thanks to this life changing program — the largest municipal initiative of its kind in the country." Medical debt is among the top causes of bankruptcy in the United States, especially for those who lack health insurance. Nearly 1 in 10 U.S. adults (9%), or roughly 23 million people, owe medical debt, according to the Kaiser Family Foundation. The collective medical debt owed by Americans nationwide is estimated by the group to be as much as $195 billion. New York City will partner with RIP Medical Debt, a New York-based nonprofit, to acquire debt portfolios and retiree debt from health care providers and hospitals and erase it, officials said. "No one chooses to go into medical debt — if you're sick or injured, you need to seek care. But no New Yorker should have to choose between paying rent or for other essentials and paying off their medical debt, which is why we are proud to bring this relief to families across the five boroughs, as we continue to fight on behalf of working-class New Yorkers," Adams said. Founded in 2014, RIP Medical Debt uses donations to buy debt from health care providers in bundles at a steep discount. The group uses data analytics to identify debtors who are most in need — households that earn less than four times the federal poverty level or whose debts are 5% or more of annual income — and buys their debt. Those who benefit from the organization's work receive letters in the mail announcing that their debt has been erased, tax and penalty-free. The group has partnered with local governments before, including with Cook County in Illinois to abolish more than $280 million in medical debt owed by residents, but never at the scale of its partnership with New York City. To supplement the city's spending on the program, RIP Medical Debt and the Mayor's Fund to Advance New York City are soliciting private donations to raise additional funding over the next three years. https://www.worldofreel.com/blog/2024/1/22/ngsegtq5k078chahr8s3etgus3983p New ‘Jurassic World’ Movie in the Works, 2025 Release Being Eyed A new “Jurassic World” movie is in the works. In fact, it’s so deep in development that Universal is eyeing a 2025 release date for this one. If that’s the case then it wouldn’t come as much of a surprise if it goes into production this year. The good news is that “Jurassic Park” screenwriter David Koepp is back, his last script for the series was 1997’s “The Lost World.” Koepp is set write the script to introduce a “new Jurassic era,” which likely means Chris Pratt won’t be returning as the lead. It’s only been two years since the last one, 2022’s “Jurassic World Dominion”, but Universal’s clearly looking to make more of these films. No director is attached for now, but, the way things are speeding up, one will surely be hired soon.

We have a new podcast! It's called Universe Of Art, and it's all about artists who use science to bring their creations to the next level. Listen on Apple Podcasts, Spotify, or wherever you get your podcasts.   No, The Gulf Stream Is Not Collapsing A sobering climate study came out this week in the journal Nature Communications. It suggests that a system of ocean currents—called the Atlantic meridional overturning circulation (AMOC)—could collapse sometime between 2025 and 2095, which could have dire climate consequences for the North Atlantic. SciFri director of news and audio John Dankosky talks with Swapna Krishna, a journalist based in Philadelphia, about what this means and what could be at stake. They also chat through other big science news of the week, including the detection of water vapor around a very distant star, a new image depicting the first detection of gas giants being formed around stars, a new theory for the origin of the world's “gravity hole,” why the fuzzy asp caterpillar packs such a scary sting, and what scientists can learn from ticklish rats.   The State Of Reproductive Health, One Year After Dobbs In the year since the Supreme Court decided Dobbs v. Jackson Women's Health Organization, overturning the federal right to an abortion, states jumped into action. Thirteen states banned abortion with limited exemptions, and three others have banned abortion after the first trimester. A handful of other states have extremely restrictive abortion access, or otherwise remain in legal limbo, awaiting court decisions or new laws to be signed. Leading up to Dobbs decision, SciFri delved into the science behind reproductive health and the potential ripple effects on access to care. Now, a little over a year later, we're following up what's going on. SciFri guest host and experiences manager Diana Plasker talks with Usha Ranji, associate director for Women's Health Policy at the Kaiser Family Foundation, based in San Francisco, California, about her survey of 569 OB-GYNs across the country. They discuss the growing disparities in states between where abortion is banned and where it remains legal. Later, John Dankosky talks with Dr. Rebecca Cohen, chief medical officer at the Comprehensive Women's Health Center, based in Denver, Colorado, about providing abortion and pregnancy care in a state where abortion is legal, and seeing patients who are traveling from states with bans in place.   The Kākāpō Parrot Returns To New Zealand Before humans arrived in New Zealand, parrots called kākāpō freely roamed across the islands. They are the world's only living flightless parrots, and they're a bit smaller than the average chicken. But the kākāpō's population started crashing centuries ago, due to human interference and the arrival of predators like cats, rats, and stoats. At one point, the species was teetering on the brink of extinction. For decades, scientists have been capturing and relocating kākāpō to safe islands, hoping their population would grow. It did, and the kākāpō's recovery team just reached a huge milestone: bringing four birds back to the mainland, a place they haven't existed since the 1980s. Guest host and SciFri events manager Diana Plasker talks with Deidre Vercoe, operations manager for the New Zealand Department of Conservation's kākāpō and takahē teams, about the history of kākāpō conservation, what this win means, and what's next for these beloved birds.   Far Beyond Their Native Habitat, Parrots Rule The Roost In many urban areas across the U.S. and abroad, feral, non-native parrots have become established. This is true in Brooklyn's Green-Wood Cemetery, where a colony of lime green monk parakeets have inhabited a massive nest on top of the gothic entrance gate. How exactly these parrots wound up here is a bit of a mystery. “The lore that's passed around is that at some point a box of parrots, perhaps at the airport, got overturned,” said science writer Ryan Mandelbaum. “What's more likely is a combination of people releasing their [pet] parrots and parrots escaping in some critical mass.” Mandelbaum wrote the cover story for July's issue of Scientific American all about the resilience of parrots. SciFri producer Kathleen Davis interviewed them at Green-Wood Cemetery, where they discussed why these parrots are not just surviving, but thriving.   To stay updated on all-things-science, sign up for Science Friday's newsletters. Transcripts for each segment will be available the week after the show airs on sciencefriday.com.  

It's impossible to deny that the U.S. has a serious loneliness problem. One 2018 report by the Kaiser Family Foundation found that 22 percent of all adults — almost 60 million Americans — said they often or always felt lonely or socially isolated. That was a full two years before the Covid pandemic. And Americans appear to be getting lonelier over time: From 1990 to 2021, there was a 25 percentage point decrease in the number of Americans who reported having five or more close friends. Young people now report feeling lonelier than the elderly.This widespread loneliness is often analogized to a disease, an epidemic. But that label obscures something important: Loneliness in America isn't merely the result of inevitable or abstract forces, like technological progress; it's the product of social structures we've chosen — wittingly or unwittingly — to build for ourselves.Sheila Liming is an associate professor of communications and creative media at Champlain College and the author of the new book “Hanging Out: The Radical Power of Killing Time.” In the book, Liming investigates what she calls the “quiet catastrophe” brewing in our social lives: the devastating fact that we've grown much less likely to simply spend time together outside our partnerships, workplaces and family units. What would it look like to reconfigure our world to make social connection easier for all of us?We discuss how the structures of our lives and physical spaces have made atomization rather than community our society's default setting, the surprising class differences in how far we live from our families, the social costs of wearing headphones and earbuds in public, how technology has enabled us to avoid the social awkwardness and rejection inherent in building community, the fact that the nuclear family is a historical aberration — and maybe a mistake, how texting and “ghosting” affect the resilience of our core relationships, why shows like “The Office” and “Parks and Recreation” are entirely built around socializing at the office and what we are losing in an era of increased remote work, why some parents are revolting against their kids having sleepovers and more.Mentioned:“You'd Be Happier Living Closer to Friends. Why Don't You?” by Anne Helen Petersen“The Nuclear Family Was a Mistake” by David BrooksFull Surrogacy Now by Sophie LewisRegarding the Pain of Others by Susan SontagLetters from Tove by Tove JanssonBook Recommendations:Black Paper by Teju ColeOn the Inconvenience of Other People by Lauren BerlantThe Hare by Melanie FinnThoughts? Guest suggestions? Email us at ezrakleinshow@nytimes.com.You can find transcripts (posted midday) and more episodes of “The Ezra Klein Show” at nytimes.com/ezra-klein-podcast, and you can find Ezra on Twitter @ezraklein. Book recommendations from all our guests are listed at https://www.nytimes.com/article/ezra-klein-show-book-recs.This episode of “The Ezra Klein Show” is produced by Annie Galvin, with Jeff Geld, Rogé Karma and Kristin Lin. Fact-checking by Michelle Harris, Mary Marge Locker and Kate Sinclair. Mixing by Jeff Geld. Original music by Isaac Jones. Audience strategy by Shannon Busta. The executive producer of New York Times Opinion Audio is Annie-Rose Strasser. Special thanks to Sonia Herrero and Kristina Samulewski.

Host Reed Galen is joined by Lincoln Project Senior Advisors Trygve Olson and Jeff Timmer. They share their thoughts on the recent tragic Nashville school shooting (especially given that according to research from the Kaiser Family Foundation, guns are now the leading cause of death for children in the U.S.), give their reactions to Donald Trump's Waco rally, and discuss the series of deals made by members of the Republican party that brings the GOP's transformation to full autocracy ever closer to completion. If you'd like to connect with The Lincoln Project, send an email to podcast@lincolnproject.us.