Plain Talk

"We've just made it so complex that the average consumer will never understand it." That's what Chris Jones said on this episode of Plain Talk, referring to the way Americans access and pay for health care. Jones is the former head of the North Dakota Department of Health and Human Services, having served in that role under Gov. Doug Burgum, and he's just finishing up a stint in President Donald Trump's administration where he's advised Secretary of Health Robert F. Kennedy and Centers for Medicare & Medicaid Services administrator Mehmet Oz. He argues that the maze of employer-provided benefits, government programs, premium subsidies, insurance companies, health care companies, and pharmacy companies that Americans must navigate when they're sick or injured just isn't working. "The system is broken," he says, and argues that the root problem for all of this is the cost of care. "It's the price, not the financing mechanisms." What can be done to bring down prices? Transparency is one thing. Americans often have no idea what their care will cost them until they get a bill in the mail, and thanks to the fact that most Americans see their coverage by a third party (an employer-provided insurance policy, or a government program) they have little incentive to find out. Jones also weighed in on the tug of war between Republicans and Democrats over health care during the ongoing government shutdown. He said that claims from Democrats that "nursing homes are going to close, benefits are being cut for kids and individuals with disabilities" culdn't be "further from the truth." He also supported new work requirements for Medicaid recipients scheduled to begin in 2029. These rules require enrollees between 19 and 64 to work, volunteer, or participate in a qualifying activity for at least 80 hours per month. Jones pointed out that we already have work requirements in place for programs like food stamps and welfare. "What I can't understand, morally, is why we think it's okay to work 20 hours a week for food and basic assistance that you need every single day, but to have you work the same amount of time for something you may never use, and that being cruel and unusual, I just can't reconcile in my brain," he said. Also on this episode, co-host Chad Oban and I discussed Superintendent Kirsten Baesler's appointment to a position in the Trump administration and Gov. Kelly Armstrong's announced bridge loan program for furloughed workers. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

"We've just made it so complex that the average consumer will never understand it." That's what Chris Jones said on this episode of Plain Talk, referring to the way Americans access and pay for health care. Jones is the former head of the North Dakota Department of Health and Human Services, having served in that role under Gov. Doug Burgum, and he's just finishing up a stint in President Donald Trump's administration where he's advised Secretary of Health Robert F. Kennedy and Centers for Medicare & Medicaid Services administrator Mehmet Oz. He argues that the maze of employer-provided benefits, government programs, premium subsidies, insurance companies, health care companies, and pharmacy companies that Americans must navigate when they're sick or injured just isn't working. "The system is broken," he says, and argues that the root problem for all of this is the cost of care. "It's the price, not the financing mechanisms." What can be done to bring down prices? Transparency is one thing. Americans often have no idea what their care will cost them until they get a bill in the mail, and thanks to the fact that most Americans see their coverage by a third party (an employer-provided insurance policy, or a government program) they have little incentive to find out. Jones also weighed in on the tug of war between Republicans and Democrats over health care during the ongoing government shutdown. He said that claims from Democrats that "nursing homes are going to close, benefits are being cut for kids and individuals with disabilities" culdn't be "further from the truth." He also supported new work requirements for Medicaid recipients scheduled to begin in 2029. These rules require enrollees between 19 and 64 to work, volunteer, or participate in a qualifying activity for at least 80 hours per month. Jones pointed out that we already have work requirements in place for programs like food stamps and welfare. "What I can't understand, morally, is why we think it's okay to work 20 hours a week for food and basic assistance that you need every single day, but to have you work the same amount of time for something you may never use, and that being cruel and unusual, I just can't reconcile in my brain," he said. Also on this episode, co-host Chad Oban and I discussed Superintendent Kirsten Baesler's appointment to a position in the Trump administration and Gov. Kelly Armstrong's announced bridge loan program for furloughed workers. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

Julie Fedorchak, a U.S. Congresswoman from North Dakota, dives into pressing federal policy issues, emphasizing the importance of following court orders regarding troop deployments. She discusses the complications around Affordable Care Act subsidies during the government shutdown, warning against tying them together. Co-host Zach Raknerud raises concerns about trade impacts on agriculture, as Julie outlines strategies for supporting farmers facing market losses, advocating for clarity in a tumultuous political landscape.

President Donald Trump's deployment of the military domestically over the objections of local leaders has become a flashpoint in our national debate. The Trump has justified these deployments by citing lawlessness in places like Portland and Chicago, but at least one federal judge has found these claims to be "untethered in reality." North Dakota Rep. Julie Fedorchak has said in the past that a line Trump cannot cross is ignoring the courts, yet with these deployments, Trump is now ignoring court orders. How does she feel about that? She's maintaining her position -- "I think he needs to follow the courts like I've said before," she said on this episode of Plain Talk -- but she also told guest co-host Zach Raknerud and I that she hasn't been following the situation closely. "My conversations with the administration would be you've got to follow the courts, appeal it, and go through that process. That's how the system's designed," she said. Asked about Insurance Commissioner Jon Godfread's assertion that cutting subsidies for health insurance premiums would create a "death spiral" for the insurance industry, Fedorchak said that's a problem that needs to be addressed, but not in the context of the government shutdown. "We want to address it. We want to address it, you know, as soon as we can, but you don't need to tie it to a continuing resolution to keep the government open," she said. She also accused Democrats of making federal health coverage for illegal immigrants a factor in the shutdown. "Democrat states like California and New York were using to provide funding, federal funding to cover illegal immigrants on Medicaid," she said. "They were using federal dollars to cover their state match for legal aliens. We closed that loophole in the Working Families Tax Cuts Act and now by repealing this, they open up that loophole again. And they do indeed allow for coverage on Medicaid for illegal immigrants." On trade issues, Fedorchak said she's sent a letter to President Donald Trump asking for "some sort of a market facilitation a grant program" to help impacted farmers make it through "this fall," but she was also supportive of Trump's trade policies, accusing China of "weaponizing agriculture." Raknerud asked Fedorchak about some of the rhetoric coming from Republicans, casting Democrats as extremists and even "demonic." The Congresswoman said she's not supportive of speaking that way. "I believe in leading by example and that's what I'm doing," she said." I am one that tries to use measured language. I treat people with respect. I have zero tolerance for any sort of political violence or violence as a whole in any issue." Also on this episode, Zach and I discuss Trump's domestic troop deployments, the national debt, and the ongoing controversy around Rep. Dustin McNally's appointment in District 42. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

After a federal judge imposed a new district map on the State of North Dakota, former Sen. Judy Estenson lost her seat in the state legislature. That's unfair, she argued in a recent letter to the editor of the Minot Daily News, and on this episode of Plain Talk. "I am deeply frustrated that a judge's decision could undo the will of the voters who elected me in 2022," Estenson said. "I am angry that a midcycle court order forced me from from office, deprived district 15 of its chosen senator, and reship district 9 in a way that made it nearly impossible for me or any Republican to win." Co-host Chad Oban rebutted that last claim from Estenson, pointing out that a Republican who ran with Estenson almost did win in the last election, even after redistricting, but the former Senator is correct that legal wrangling over North Dakota's district map has created headaches. The legal fight is still ongoing, too, making the map for the upcoming 2026 election something less than certain. Estenson, an outspoken supporter of President Donald Trump wand whose family is involved in ranching, also commented on the impact tariffs are having on production agriculture. As many as "20 to 30% of small farmers could go out of business and not be able to continue," Estenson, a former candidate for Agriculture Commissioner, told us. While she says she supports Trump's efforts to address "unfair trade practices," she's not certain what the future holds. "I don't think anyone really knows what the end result will be of all these tariffs. I certainly don't." Also on this episode, Oban and I discuss the absurd call on newly-appointed Rep. Dustin McNally to resign from his seat in District 42, the potential impact of data centers on power rates, and outlook for the Yankees and the Dodgers in the post season. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

After a federal judge imposed a new district map on the State of North Dakota, former Sen. Judy Estenson lost her seat in the state legislature. That's unfair, she argued in a recent letter to the editor of the Minot Daily News, and on this episode of Plain Talk. "I am deeply frustrated that a judge's decision could undo the will of the voters who elected me in 2022," Estenson said. "I am angry that a midcycle court order forced me from from office, deprived district 15 of its chosen senator, and reship district 9 in a way that made it nearly impossible for me or any Republican to win." Co-host Chad Oban rebutted that last claim from Estenson, pointing out that a Republican who ran with Estenson almost did win in the last election, even after redistricting, but the former Senator is correct that legal wrangling over North Dakota's district map has created headaches. The legal fight is still ongoing, too, making the map for the upcoming 2026 election something less than certain. Estenson, an outspoken supporter of President Donald Trump wand whose family is involved in ranching, also commented on the impact tariffs are having on production agriculture. As many as "20 to 30% of small farmers could go out of business and not be able to continue," Estenson, a former candidate for Agriculture Commissioner, told us. While she says she supports Trump's efforts to address "unfair trade practices," she's not certain what the future holds. "I don't think anyone really knows what the end result will be of all these tariffs. I certainly don't." Also on this episode, Oban and I discuss the absurd call on newly-appointed Rep. Dustin McNally to resign from his seat in District 42, the potential impact of data centers on power rates, and outlook for the Yankees and the Dodgers in the post season. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

Steve Forbes, the editor-in-chief of Forbes Media, the host of the "What's Ahead" podcast, and a two-time U.S. Presidential candidate is speaking at North Dakota State University later this month as part of the Challey Institute's Menard Family Distinguished Speaker Series. He dropped by Plain Talk ahead of that speech to talk about some of the economic issues pressing on North Dakotans. Specifically, tariffs, which haven't just made selling crops and livestock harder for farmers and ranchers, but has also driven up their costs. "Tariff is another word for tax, and when you impose a tax you are imposing a barrier of sorts between buyer, seller, producer and consumer," Forbes said. He argues that sweeping and uncertain tariffs, that can change wildly day-to-day based on the whims of President Donald Trump, are slowing down the economy. He also thinks they're illegal. "Tariffs, because they're taxes, have to go through Congress, and most of those haven't gone through that kind of process," he said, adding that he hopes the U.S. Supreme Court will strike them down. But even setting aside they're legality, the tariffs aren't something Republicans should be supporting, Forbes said. "Republicans should not be in favor of tax increases," he told us. Forbes also criticized what he described as "weak dollar" currency policies from the Trump administration — "great countries don't trash their money," he said — and called for a "stable, strong dollar" which will lead to lower interest rates and prevent inflation. Forbes will be espeaking at NDSU on October 23 at 5:30pm. Click here for more information on how to attend in-person or virtually. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

Steve Forbes, the editor-in-chief of Forbes Media, the host of the "What's Ahead" podcast, and a two-time U.S. Presidential candidate is speaking at North Dakota State University later this month as part of the Challey Institute's Menard Family Distinguished Speaker Series. He dropped by Plain Talk ahead of that speech to talk about some of the economic issues pressing on North Dakotans. Specifically, tariffs, which haven't just made selling crops and livestock harder for farmers and ranchers, but has also driven up their costs. "Tariff is another word for tax, and when you impose a tax you are imposing a barrier of sorts between buyer, seller, producer and consumer," Forbes said. He argues that sweeping and uncertain tariffs, that can change wildly day-to-day based on the whims of President Donald Trump, are slowing down the economy. He also thinks they're illegal. "Tariffs, because they're taxes, have to go through Congress, and most of those haven't gone through that kind of process," he said, adding that he hopes the U.S. Supreme Court will strike them down. But even setting aside they're legality, the tariffs aren't something Republicans should be supporting, Forbes said. "Republicans should not be in favor of tax increases," he told us. Forbes also criticized what he described as "weak dollar" currency policies from the Trump administration — "great countries don't trash their money," he said — and called for a "stable, strong dollar" which will lead to lower interest rates and prevent inflation. Forbes will be espeaking at NDSU on October 23 at 5:30pm. Click here for more information on how to attend in-person or virtually. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

With Rob out for his daughter’s wedding, Chad Oban hosts alongside longtime ad man and GOP strategist Pat Finken for a discussion on the state’s transformation from a competitive two-party era to a durable GOP majority, what that’s meant for business, and the way national fights over climate and immigration filter down to North Dakota.  Then Justin Kringstad, Executive Director of the North Dakota Pipeline Authority, lays out the nuts and bolts of getting Bakken gas east. Kringstad details the phased schedule, explains the ship-or-pay realities that make pipelines “extremely risk averse,” and makes the case for domestic supply security. They also dig into data centers, value-added ag, and why early landowner outreach matters. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

With Rob out for his daughter’s wedding, Chad Oban hosts alongside longtime ad man and GOP strategist Pat Finken for a discussion on the state’s transformation from a competitive two-party era to a durable GOP majority, what that’s meant for business, and the way national fights over climate and immigration filter down to North Dakota.  Then Justin Kringstad, Executive Director of the North Dakota Pipeline Authority, lays out the nuts and bolts of getting Bakken gas east. Kringstad details the phased schedule, explains the ship-or-pay realities that make pipelines “extremely risk averse,” and makes the case for domestic supply security. They also dig into data centers, value-added ag, and why early landowner outreach matters. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It’s super easy — leave your message, tell us your name and where you’re from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive