"I'm optimistic that they're going to do it," North Dakota Insurance Commissioner Jon Godfread said on this episode of Plain Talk, referring to Congress approving an extension to enhanced subsidies for health insurance policies sold on the individual marketplace exchanges. "I'm hopeful that they do it because I think it's the it is the right thing to do."

The subsidies are central to the ongoing shutdown of the federal government, with Democrats refusing to reopen the government without a deal to extend them, and Republicans saying they'll only cut a deal like that once the government is open again.

Godfread, whose office approved new rates for the current open enrollment plan last week based on the assumption that the subsidies will be continued, has warned that without them millions of Americans, and tens of thousands of North Dakotans, would face dramatic cost increases. Despite his prediction, he does see the possibility where Congress doesn't renew them.

"There is certainly a scenario and a reality where neither side wins on this," he said. "I think both sides are so dug into that somebody has to lose, and nobody wants to lose."

Godfread says he's been working with North Dakota's federal delegation — Senators John Hoeven and Kevin Cramer, along with Rep. Julie Fedorchak — to get this point across. "The point, again, that I've made with our delegation is, guys, the consumers are the ones who are losing here."

But even given his support for extending the subsidies, Godfread warns that's not going to fix anything. "It's a $440 billion subsidy over the life of this. It's very, very expensive," he said, saying the real solution is addressing health care costs.

Godfread discussed different solutions to that, from increased price transparency to using regulatory authority to impose some price controls, but also said there's a point where the status quo is going to collapse and leave no choice but a complete take over.

"That's exactly what I've said to our to our healthcare providers, in those conversations, that guys, you are advocating for a Medicare for all system," Godfread said. "And I said, we're going to get to a point where nobody can afford this stuff. The only person that can bail it out is going to be the federal government and then we're going to have Medicare for all."

Also on this episode, co-host Chad Oban and I discussed the ongoing problems at the North Dakota Commerce Department, when the government shutdown will end, and the federal lawsuit filed by noted advocate for dishonesty Brandon Prichard.

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