In his first speech to a joint session of Congress in 2017, President Trump said, "We will replace Obamacare with tax credits and enhanced Health Savings Accounts (HSA)." The size of Trump's tax credits increased with age, and people 30 and younger get $2,000 each. So, a 29-year-old couple with three children would get a "Refundable" $10,000 Family Tax Credit to purchase insurance of their choice in the free and open market. This is Milton Friedman's plan to correct the unfairness of the Employer Insurance tax exclusion. Wealthy CEOs get a 100% deduction on income and payroll tax for employer insurance, and poorer Americans without employer insurance get nothing.
I told Congressman Chip Roy in Iowa that I enrolled America's first tax-free HSA when he was trying to help DeSantis beat Trump for President. I told Roy that SMU in Dallas charges employees $300 monthly for family insurance. However, if the employee gets cancer, like Casey DeSantis, her premium explodes by federal COBRA law to $3,000 a month. Chip Roy told me, "When I got cancer in 2011, my COBRA was $1,800 a month!" Chip Roy went to MD Anderson Cancer Center with his cancer and lived. No Obamacare plan in Texas can use MD Anderson, which Newsweek voted the world's best cancer hospital.
Employer Insurance is a nightmare, and a catastrophic illness raises the COBRA premiums thousands more monthly. It happened to Chip Roy, and he still can't believe it. It is just too nasty to believe. Chip should know that Rice University COBRA rates are $43,464 annually for Aetna POS for university employees in 2025. Chip Roy's small $1,800 monthly COBRA premiums are long gone. Rice University COBRA will double in 2025. Proof page 4: https://rice.app.box.com/s/ycun5rg1t7vmjr3zjr5mcudblsa866dg
I told Chip Roy that all Iowa Obamacare plans wouldn't pay at the MAYO Clinic, which Newsweek ranks as the World's Best Hospital. I told Chip Roy that teachers all over Iowa had to pay over $1,400 monthly to insure one child with the Blue Cross Monopoly, and he should talk about Obamacare's cost crisis. Chip said they had more important things to talk about! DeSantis and Chip Roy never mentioned Obamacare once in Iowa as they ran for President. Chip Roy and Ted Cruz stopped Trumpcare in 2017 and saved Obamacare.
Cruz said he couldn't live with Refundable Tax Credits! Chip Roy was writing for the Texas Policy Institute, and they wrote (image above): 5. Creates New Entitlement. Beginning in 2020, the bill creates an entirely new entitlement—advanceable, refundable tax credits—replacing Obamacare’s form of subsidized health insurance with another. So Chip Roy wasn't paying income or payroll tax on $1,800 monthly premiums. Still, Chip doesn't want poorer Americans without employer insurance to get any tax benefits that his family has enjoyed.
Chip Roy was and is wrong. Obamacare's sky-high prices are UNREPORTED but are a huge issue. I begged Chip Roy to mention that Trump's low-cost Short-Term-Medical (STM), which was one-tenth the cost of what Iowa taxpayers were paying for overpriced Blue Cross, was being outlawed by the Biden Administration, and again, Chip Roy refused. So I put a quarter-page ad in the Milwaukee Journal during the Republican National Convention saying Trump's PPO is so inexpensive it would save Wisconsin taxpayers $113,000 over 36 months per employee! I tried to get one Republican politician in America to mention that Trump's low-cost Short-Term-Medical (STM) was being OUTLAWED on 9/1/2024, but I failed—a waste of $2,000. Trumpcare by Allstate was HSA-Qualifying in Wisconsin, so they saved on taxes, too. Chip Roy is helping Blue Cross of Texas, which is run out of Chicago. They also own the Blue Cross of Oklahoma. Chip Roy doesn't mention Obamacare, Blue Cross, or Centene, which is the largest company in Obamacare and Medicaid. Blue Cross Association (BCA) gives more to politicians than any other company.
The Wisconsin Insurance Department asked me about my Trumpcare ad, saying it was inaccurate (see image above). They want to know where I got the cost for State employee insurance. Wisconsin is selling single-parent employees, and their only PPO option is Dean Access, a Minnesota company, for $724 monthly. If she becomes too sick to work, their COBRA explodes to $51,505 Annually when she has no hair or income. Worse yet, the State of Wisconsin, like all employers, isn't disclosing that their premiums rise with a catastrophic illness even though they have a fiduciary responsibility to do so (Not giving employees Full and Proper Disclosure is a serious Ethics Violation. I checked, and Jen Fogel, Wisconsin's Executive HR Director for State Employee Health Insurance, is non-licensed. Fogel emailed me, saying they don't warn employees about COBRA increases, but she gave me the Employee Assistance Program (EAP) number. I contacted the AEP number, and they laughed and said they don't help with the $51,505 premium, but they could schedule a mental health visit if the former cancerous employee is depressed).
Since the July Republican National Convention, Wisconsin premiums for all state employees and teachers have increased by 15%. The cost to add a child went from $633 monthly to $724 (image above), increasing the $113,000 three-year savings by another $10,000! Fruitcake Eric Hovde decided to lose his Senate Race by never mentioning Obamacare, and Tammy Baldwin brags that she wrote Obamacare. Tammy Baldwin was the ringleader in the US Senate who outlawed Trump's Short-Term-Medical (STM), and Hovde didn't say one word. Neither did RINO Ron Johnson, who loves Obamacare now. All Iowa Republicans now support Obamacare. Most Texas Republicans support Obamacare in 2024.
The politicians' problem is that Obamacare's Expanded tax credits disappear in just months. Trump has a choice: he can spend trillions more trying to save Obamacare, or he can offer a Republican OPTION to Obamacare. Trust me again: Trump isn't going to spend trillions to save Obamacare and Blue Cross. Why? Because there isn't enough money in the world to save them. I will illustrate. In Cody, Wyoming, a 64-year-old married multimillionaire surgeon with two children in college, working part-time and earning $250,000 annually has the lowest Obamacare Premium from Blue Cross is $50,256 Annual Premium (AP) with a giant $9,100 deductible. Biden's and Democrats expanded Obamacare tax credits are $45,084 in 2025 for this millionaire. 2026 Obamacare tax credits will vanish for all couples earning over $81,756 annually. Trumpcare's much smaller age-based refundable tax credits are common sense.
Wisconsin is so distorted because of Obamacare that taxpayers pay more for health insurance for employees than they pay in wages! The Dean Access premium is $50,496 annually, and janitors are paid $19 an hour or $39,520 annually. A retired 63-year-old married janitor with a child in college must pay the entire premium of $50,496. On the other hand, Chip Roy and Ted Cruz have no problem with multimillionaire football coach Luke Finkell, earning $7,725,000 at the University of Wisconsin, not paying taxes on his $50,409 Annual Premiums! The Treasury loses 37% on federal income tax and 15.3% on payroll tax, or 52.3% of $50,496 or $26,409 lost annually on overpaid football coaches. Chip Roy and Ted Cruz refuse to cap Luke Finkell's tax-dodge but insist that poorer Americans without employer insurance get nothing.
Because Chip Roy and Ted Cruz stopped Trumpcare with refundable tax credits, insurance costs have skyrocketed. Orlando City employees pay $1,207 monthly to add their families to their insurance, and taxpayers pay an additional $25K annually. Dallas retired City employees pay $45,000 annually in 2025 (image above). Fort Worth teachers are scammed into paying $2,466 monthly (image above). Retired City employees of St. Louis under 65 pay Anthem Blue Cross $106,000 annually for family insurance (image above).
Allstate and United Healthcare (UHC) sold Trump's low-cost STM, which is now outlawed. Both companies have responded to Biden's decision to shut down Trump's STM by enhancing their Fixed Indemnity Plans. UHC raised its daily Hospital $100 benefit to $10,000 after the first year, and Allstate raised its Hospital daily benefit for injury to $12,000 after the second year. Fixed Indemnity plans must pay benefits in addition to auto insurance, whereas Obamacare and Blue Cross won't. A 30-day hospital stay that is paid by auto insurance will produce a minimum of $360,000 check by Allstate in 2027. The consumer will feel like they have hit the lottery. Allstate and UHC have a zero deductible on both inpatient and outpatient benefits.
Close #1 The cheapest Obamacare plan in Dallas for a 60-year-old couple from Blue Cross of Texas POS is $2,033 Monthly, with a massive $9,200 owed for hospitalization. Allstate's zero-deductible plan is less than half at $969 monthly and includes Prime Dental, which pays $3,000 per person after the second year. This premium also includes "Plan C," which pays $5,000 EXTRA cash for hospital admission. I include "Plan C" because then I can say, "Would you prefer to CHARGE a Huge $9,200 Obamacare deductible or deposit a check from Allstate for $5,000?"
Close #2: With Obamacare's Blue Cross POS, if you get cancer and go to MD Anderson Cancer Center, it's out-of-network (OON), so the deductible increases to $15,000, and then you still owe 50% of the entire bill for cancer. Or, with Allstate's zero-deductible Access PLUS plan, you have prenegotiated rates and discounts because MD Anderson Cancer Center is a member hospital. Which do you prefer with cancer?
You sell once and get paid forever with insurance. You make about $3,000 on a 60-year-old family, and I want a Texas State Manager who will produce 100,000 sales in 2025 or $300 million in commissions. We have the technology where people can go to your website and self-enroll, and you get paid. Don't worry about these weak and timid politicians. They can't help you or hurt you; they are irrelevant. The free and open market will destroy Obamacare without the aid of a single politician. Think about it; that is how it is supposed to work in the land of the free and home of the brave!
Trust me, Chip Roy and Ted Cruz can't stop Trumpcare's Age-based tax credits this time in 2025. Trumpcare is going to pay for what you sell. For example, using the old tax credit numbers for 2017, a 29-year-old Dallas couple with three children would get $10,000 in Trumpcare Family Tax Credits. Allstate's zero-deductible Access PLUS is $619 monthly or $7,428 Annual Premium with a 3-year Rate Lock starting January 1, 2025. Trumpcare will pay 100% of this Texas family's health and Dental insurance premiums for $7,428 and still have $2,572 left over. After dividing by twelve, Trumpcare deposits $214 monthly into the family's tax-free HSA at the bank.
Chip Roy and Ted Cruz must pass tax-free HSAs for all Americans and let singles deposit $12,000 annually and families double or $24,000 annually. I don't trust these two lawyers; they will probably mess it up again. By the way, I put "Plan C" on the 29-year-old Texas family quote, and you know why. The cost is $32 monthly, so if that comes off, the family's $619 premium drops to $587, and Trumpcare's Family HSA deposit increases from $214 to $246 monthly. I recommend a larger HSA deposit because Einstein said compound interest was the world's eighth wonder. You either earn it or pay it!
Chip Roy said I had to meet Sabrina Hancock; his healthcare policy wonk. In the middle of January, at 13 below zero, I met this very young girl in Council Bluffs, Iowa, that Chip Roy had flown in. As God would have it, Sabrina went to school in Utah, the lowest price in the United States for Trump's STM. I showed Sabrina how her college paid $30,000 annually for family Insurance, and Trump's low-cost STM was $101 monthly for a 30-year-old family with three children. Sabrina freaks out and says, "I don't have time to talk about it!" Why did Chip Roy bring Sabrina Hancock to ride around on the DeSantis Bus for days all over Iowa? Would Chip Roy say Sabrina was educating him on healthcare policy? I have ideas about why Chip Roy flies this cute little girl, Sabrina, around to ride with him in the DeSantis Bus.
Sabrina Hancock doesn't care about the uninsured children of Texas or America. The new DOGE needs to terminate her employment and send her to the Private Sector, where she belongs. (Chip Roy thought this girl was going to answer my questions. That means he is absolutely lost.)
Then President Trump should say to a 2025 joint session of Congress: We are going to have an OPTION to expensive Obamacare, expensive Employer Insurance, and VERY expensive Medicaid, with Republican Age-Based Tax Credits and "Enhanced" Health Savings Account (HSA). 1) When we lift the heavy burden of health insurance off the backs of American employers, the economy will shoot to the moon! 2) When we strip the embedded cost of health insurance from American products and services, their costs will diminish for American consumers. 3) When local State, City, and County governments find their cost for employee insurance drops to ZERO, local taxes should also plummet.
Close#3) If you lie in the hospital because of an auto accident, wouldn't you be happy to have Allstate's double coverage? You would be begging these doctors to keep you one more day at $12,000 a day, right? (If it is your son, you might tell the doctor you should keep him for another day.)
Republican's Age-based Tax Credits are America's most significant Domestic Policy change since WW-2.
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PS: The State of Wisconsin charges a single-parent Mother $724 Monthly to insure ONE child with Dean Access PPO. Allstate's cheapest State for "child only" coverage is Wisconsin! Allstate's Access is $95 for the zero-deductible with "Plan C." Would this Mother prefer to pay $629 more monthly and thousands more with hospitalization or SAVE $629 monthly, $7,548 Annually and deposit a check from Allstate for $5,000? (The Federal Government Employee Plan (FGEP) charges MORE to add family members to Blue Cross PPO than Wisconsin. My point: We are hundreds less than what the Federal Government and States charge their employees.) I'm looking for visionaries who recognize an opportunity. Watch this one-minute video https://www.youtube.com/watch?v=3Uv8VehQLbI
Also, please don't ask me to pay for study materials to take your test. Then I know you are not the visionary I seek
