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Speaker 0 explains that politically you can’t do certain things, emphasizing transparent financing and transparent spending, and says the bill was written “in a tortured way to make sure CBO did not score the mandate as taxes.” He asserts that if CBO had scored the mandate as taxes, the bill would have died. He describes risk-rated subsidies as another tactic that would have failed if it explicitly said healthy people pay in while sick people get money. He notes that “transparent lack of transparency is a huge political advantage,” suggesting that, despite what some people think, that lack of clarity was critical to passage. He calls it the second best argument, expressing a preference for having the law rather than not, even if improvements are desired. Speaker 1 asks whether Speaker 0 stands by previous comments and notes that the comments were made at an academic conference and were off the cuff. Speaker 0 recounts an alternative proposed by John Perry, a Massachusetts colleague, proposing a substitute idea: instead of giving high-cost plans a 40% tax rate directly to individuals, limit a 40% tax on the insurance companies that sell those expensive Cadillac plans. He says that would be “pretty much the same thing,” but asks why it matters, implying the distinction is minor and the public might not understand the difference. He then describes John Kerry’s approach: “we’re not to tax your health insurance,” but “tax those evil insurance companies.” Kerry proposed a tax on insurers that sell expensive plans, with the tax rate set to the marginal tax rate under the income tax code. He explains that insurers would pass on higher prices, offsetting the tax break, resulting in essentially the same outcome as taxing individuals directly. He calls this a very clever exploitation of the lack of economic understanding among the American voter. Speaker 1 again notes that Speaker 0 was speaking off the cuff.

Health care insurance rates under the Affordable Care Act in Connecticut are going up by 16.8%. This is the highest number in years and it's gonna mean that there are a lot of families in Connecticut who now won't be able to afford health insurance who are now gonna be uninsured. These rates are going up because Donald Trump chose to push your rates up. They wrote a bill, Republicans and Donald Trump earlier this year, that slashed the support that goes to families who buy Affordable Care Act plans. in Connecticut, that's about a quarter of a million people. So you just need to know that these rates didn't need to go up by this much. Donald Trump is choosing for you to pay more on health care. The richest Americans are gonna get a $270,000 tax cut out of this bill. You need to understand that these massive rate increases in Connecticut are due to Donald Trump's policies.

This budget imposes a tax on working people and patients, creating new out-of-pocket expenses. It breaks the president's campaign promise to lower costs for working people.

Speaker 0: There is no law. And to date, nobody has been able to show that there is a law for the average American citizen working day in and day out to pay an income tax. Speaker 1: But We, The People Foundation for Constitutional Education put a full page ad in The USA Today on 07/07/2000. And within the body of that ad was a $50,000 challenge for anyone that could show the law. And to me, $50,000 is a lot of money. So I went after that and did the research based on the fact that I thought, let's put this baby to bed. I'm hearing all these rumors. You know, I'm gonna kill two birds with one stone. I'll answer these people's questions they're asking me, and then I win this $50,000. And, you know, based on the research that I did throughout the year 2000 and that I'm still doing, I have not found that law. I've asked congress. We've asked a lot of people in the IRS, IRS commissioners, helpers. They can't answer because if they answer, the American people are gonna know that this whole thing is a fraud. Speaker 2: There is no law. There is no law that requires the average American worker in the private sector to pay a direct unapportioned tax on their labor and compensation for services. There is no law. Speaker 3: I really expected that, of course, there's a law that you can point to in the law book, the code, that requires you to file a tax return. Of course, there is. I mean, I don't know what it is right then as we as he was speaking to me, but sure. So, naively, I agreed to go off and research it and get back to him. Three and a half months later, I was at that point where I couldn't find the statute that clearly made a person liable, at least not me and, most people I know. And I had no no choice in my mind except to to resign. Speaker 4: I had to leave the IRS because I presented, evidence that I had accumulated indicating that the agency was violating the law and violating people's rights. And I asked the agency for a response to my sincere concerns, and the answer I got was that they would not respond to my concerns and that they would, provide me with the paperwork necessary to tender my resignation. Speaker 5: You can look through the statutes and look for the law that requires you to pay. And when you do that, you can't identify a law that requires the average person in America who earns a wage and works in private business to pay an income tax. Speaker 2: American citizens, along with the foundation, have been asking the IRS to specifically provide them with the the underlying legal foundation upon which they administer and enforce the personal income tax laws in our country. Speaker 3: At the national level, when people would attempt to contact somebody of a much higher authority, say the cons the commissioner, same kind of thing. They wouldn't get they would get answers that were in effect non answers. Speaker 6: You have to understand that an agency which will unlawfully impose a tax that doesn't exist it's not gonna care. If we, the people, don't know what our rights are, they're not gonna tell us. Speaker 4: If Americans just learned that the IRS was actually knowingly deceiving them, that that enough that would be enough for them to rise up and put a stop to it. Speaker 7: 100% of what is collected is absorbed solely by interest on the federal debt. All individual income tax revenues are gone before one nickel is spent on the services taxpayers expect from government. People have been told, you know, that you need this income tax system to fund government, is absolutely ridiculous. I mean, my question is, well, if that's true, how did we fund government from 1776 to 1913? Speaker 8: The main purpose of the income tax is not to raise revenue, but to redistribute wealth and to control society. And a lot Speaker 9: of people might say, well, gee, if there wasn't an income tax, what would happen to education? They don't understand that education is paid for, for the most part, out of state and local taxes, your property tax. People might say, well, how are we going to build and maintain our highways if there's no money coming into the government? We need our highways. There is a tax on every gallon of gasoline that people buy. Proceeds from the income tax do not pay for highway construction. Speaker 10: I believe that in both spirit and substance, our tax system has come to be un American. Death and taxes may be inevitable, but unjust taxes

Speaker 0 discusses high medical costs and a reluctance to consider trade-offs between healthcare spending and other costs. They ask, 'Is spending a million dollars on that last three months of life for that patient, would it be better not to lay off the those 10 teachers and to make that trade off in medical costs?' The speaker ends by noting that 'That's called the death panel, and you're not supposed to have that discussion.' These lines illustrate the tension between medical expenditures and broader budget decisions, and they identify the term 'death panel' as the controversial label for such discussions today. These lines frame the debate as a policy choice about allocating scarce resources and prioritizing public services. They highlight the stigma or controversy around discussing cost-effectiveness in patient care.

Congresswoman Kat Kamak speaks from off the House floor about Democrats’ discharge petition to extend three years of Obamacare subsidies. She notes that the fight is happening on the House floor, with Jason Smith, chairman of the Ways and Means Committee, railing as the petition moves forward. She presents several statistics and claims: only 7% of Americans are on Obamacare programs that receive subsidies. Of that 7%, 40% of people registered are fraudulent, described as duplicative and not supposed to be in the program. She also claims that people making over $600,000 are receiving subsidies for their ACA plans. She argues that these subsidies do not go to individuals directly but to big insurance companies. She cites that these companies are making 237% profits as of last year. Based on that, she questions why the government would send $400,000,000,000 to an insurance company to lower premiums for people making $600,000, stating it “makes no sense.” Kamak asserts the need to fix health care, not to throw money at a one-size-fits-all program that only addresses 7% of the population. She contends there should be a program that addresses 100% of the needs of Americans today. Her proposed approach emphasizes lowering premiums while increasing care, advocating for true health care rather than sick care and a focus on prevention rather than maintenance. She opposes subsidizing wealthy CEOs and insurance companies that are already earning high profits and alleging that denials are up while care is down. The message concludes with a commitment to continue the fight “to the very, very bitter end,” signaling a partisan battle over the future of Obamacare subsidies and health care policy. Stay tuned for more updates.

Speaker 0 argues that you cannot do it politically without transparent financing and transparent spending. The speaker notes that the bill was written in a tortured way to ensure the CBO did not score the mandate as taxes. If the CBO scored the mandate as taxes, the bill dies, so it was written to do that. In terms of risk-rated subsidies, the speaker explains that if there were a law which said healthy people are going to pay in, it would have explicit that healthy people pay in and sick people get money, and it would not have passed. The speaker also states that the lack of transparency is a huge political advantage, describing it as the stupid of the American voter or whatever. The lack of transparency, according to the speaker, was really critical to getting the thing to pass. The speaker further notes that this transparency issue served as a second-best argument. They wish Mark was right and that it could be made all transparent, but they would rather have the law than not. In essence, the speaker summarizes it as a reporter-style scenario: there are things they wish could be changed, but they would rather have this law—i.e., this outcome—than not. The speaker emphasizes that the political viability depended on maintaining nontransparent aspects, which provided a significant advantage in passing the legislation. The overall point is that the design of the bill relied on avoiding certain fiscal scoring and maintaining opacity in order to secure passage, even though more transparent governance would be preferable in the speaker’s view. Key conclusions presented by Speaker 0 are that transparent financing and transparent spending are not politically feasible for passage, that the bill was intentionally crafted to avoid CBO classification of the mandate as taxes, and that the use of risk-rated subsidies with implicit subsidies (healthy people paying in and sick people receiving funds) would have prevented passage if explicitly stated. The speaker asserts that lack of transparency was a strategic political edge, and while acknowledging the desirability of full transparency, maintains that having the law is preferable to not having it at all. The overall stance is that the political calculus favored opacity and specific scoring manipulation as essential to enactment, even if imperfect.

**Speaker 0:** 212 Democrats voted against no tax on tips, Social Security, and overtime. If the government makes money and spends it responsibly, taxes aren't necessary. The new administration is holding the government accountable, and people are mad about it. **Speaker 1:** There's no tax on tips, overtime, or Social Security in the budget resolution. Taxes are normal. This utopia where nobody pays taxes isn't going to work. Read the budget before lecturing people about it.

Remember, I am summarizing the video as if I were the original speakers. Speaker 0: Democrats all voted against tax cuts on tips, overtime, and Social Security. Keep that in mind next time they act like they care about you. Speaker 1: You need to fact check information online before spreading lies with your MAGA hat on. The claim that Democrats voted against tax cuts on tips and overtime has already been debunked, even on Elon Musk's platform. The original poster even deleted it after being fact checked. Those tax cuts weren't in the bill anyway, but cuts to Medicare, Medicaid, and Social Security were. Take off the hat, put down the phone, and think about what kind of country you want your kids to grow up in, one that rewards billionaires at the expense of the middle class?

Speaker 0 questions Gruber’s identity and role in crafting Obamacare, asking, “Who is Gruber? What was his role in crafting Obamacare?” Speaker 1 replies that Gruber didn’t help write their bill and questions if viewers have seen Jonathan Gruber of MIT’s analysis; they describe Gruber as “one of the most respected economists in the world.” Speaker 2 notes Gruber attended five of the 12 meetings at the Obama White House in 2009, including a meeting with the president. Speaker 1 says they were a paid consultant to the Obama administration to help develop the technical details of the bill, stating “$6,000,000 in consulting fees on Obamacare,” and remarks that one could soon make a lot of money working for the government. They describe Gruber as “an adviser,” and discuss the idea that the adviser never worked on their staff. Speaker 2 adds that someone who never worked on their staff has “stolen ideas from liberally, John Gruber.” Speaker 1 comments on Obama being more relaxed and mentions a cigarette break taken halfway through. Speaker 2 expresses disagreement with Obama’s opinion about voters, saying it’s a belief that voters are too stupid to understand it, calling it “the stupidity the American voter” and describing it as a clever exploitation of Americans’ lack of economic understanding. Speaker 2 asserts there is “no reflection on the actual process that was run.” Speaker 1 notes that the only way they could take on the measure was first by mislabeling it, and that John Kerry said, “No. No. No. We’re gonna tax your health insurance. We’re gonna tax those evil insurance companies.” Speaker 0 states, “Gruber, has been our guide on a lot of this.” Speaker 1 clarifies that Gruber is “really” guiding toward understanding that the bill is “a tax on people who hold those insurance plans.” Speaker 3 comments, “I think it’ll it’s fair,” in response to a point about the bill. Speaker 2 adds that there was not a provision in the health care law that was not extensively debated. Speaker 1 contends that the bill was written in a “tortured way to make sure CBO did not score the mandate as taxes,” explaining, “If CBO scored the mandate as taxes, the bill dies.” Speaker 0 reiterates Gruber’s prominence, saying, “Mister Gruber of MIT, he’s got big computer models. He takes the CBO data, and frankly, in some respect, he’s helped CBO by helping give some information at CBO that otherwise does not have.” Speaker 1 states there was a law that said healthy people are gonna pay in, making explicit that healthy will pay in and sick people get money, and argues it would not have passed otherwise. Speaker 2 adds that the process was fully transparent, but Speaker 1 counters that lack of transparency is a huge political advantage, and questions how that will apply to more health insurance claims over time.

Democrats plan to expand the IRS with 87,000 new agents, according to the administration's treasury department. One speaker claims to have not paid federal income taxes for 30 years, blaming international bankers and the Federal Reserve. Another speaker criticizes Congress for implementing income tax in 1909 and questions why technological advances haven't made everyone prosperous. They propose a plan to drain the Washington DC swamp. The same speaker claims to be the number one NMD IRS and pays taxes, but also mentions voting for Barack and Hillary as an American thing to do.

Speaker 0: I haven't heard anybody in my party saying that illegal immigrants should get access to the health insurance marketplace. Speaker 1: I'm so glad you said that. Actually, I have some tape of of your Democratic party members saying this on the debate stage. So they've all said it. Let's play the clip. Speaker 0: A lot of you have been talking tonight about these government health care plans that you proposed in one form or another. This is a show of hands question, and and hold them up for a moment so people can see. Raise your hand if cover if your government plan would provide coverage for undocumented immigrants. Speaker 1: Senator, that that's that's literally every member of your party from moderate to more progressive that have said that in the past.

Speaker 0 explains that politically, the approach cannot be done with transparent financing or transparent spending. The bill was written so that the CBO would not score the mandate as taxes; if it had, the bill would die. Regarding risk-rated subsidies, he says a law explicitly saying healthy people pay in and sick people get money would not have passed. He notes that lack of transparency is a huge political advantage and suggests, perhaps cynically, that this was critical to getting anything to pass. He adds that he wishes Mark were right about full transparency, but would rather have the law than not, comparing it to another reporter’s story and saying there are things he wishes to change but would rather have the law. Speaker 1 asks if Speaker 0 still stands by the comments in that video. Speaker 2 responds that the comments were made at an academic conference and that he was speaking off the cuff. Speaker 0 then recounts an alternative idea from a Massachusetts figure, John Kerry, suggesting that for people with expensive health insurance plans, they would no longer face a 40% tax rate. He notes that what economists want is essentially to tax the individuals with expensive plans, but Kerry’s approach would tax the insurance companies selling those Cadillac plans, implying that the same outcome would occur since they would pass the cost to consumers. He argues that this distinction matters little because the American public would fail to understand the difference, and says, again off the cuff, that Kerry proposed to tax health insurance and the insurance companies, with the tax tax rate aligned to the marginal tax rate, effectively making it the same as the individual tax approach. Speaker 2 chimes in with “Off speaking off the cuff,” aligning with Speaker 0’s description of the discussion as informal and off the cuff.

Speaker 0 and Speaker 1 discuss a written proposal regarding extending Biden-era COVID subsidies under the ACA. Speaker 0 asks if there is a proposal in writing they can read. Speaker 1 confirms there is a simple proposal: two sentences to be added to any proposal that would extend the ACA benefits for one year. He says this would be the right thing to do and could be put into Leader Thune’s open-government proposal, as it “doesn't need a vote. It can't be blocked by anybody.” He notes that the current IAC fix would be without income caps, meaning people who earn very high incomes would continue to receive subsidies, and says they would negotiate once the credits are extended, which he claims the other side previously refused to do. Speaker 0 questions whether, for one year, people making millions of dollars would still receive the COVID-era subsidies. Speaker 1 responds by saying the senator from Ohio “ignores that 99% of people” and asserts the goal is not to hurt ordinary people but to address the difficulties faced by those paying thousands of dollars more. He says they are willing to fix what was proposed in negotiation, but without hurting everyday people, and asserts he yields the floor. Speaker 0 asks for clarification of what was heard from the minority leader, to recap for those who missed it. Speaker 1 summarizes: the minority leader acknowledged there is no written proposal from Democrats for people to review; he acknowledged that his plan would allow millionaires to receive Biden-era COVID subsidies, with “no income caps.” Speaker 0 indicates he would have asked further questions if the minority leader had remained, including whether he would continue $0 premiums and whether the funds would go directly to insurance companies. Speaker 1 asserts additional points for emphasis: this money “does not go to people on Obamacare,” it is “a check written from the federal government to the wealthiest insurance companies on the planet,” and the plan would preserve subsidies for millionaires, provide $0 premiums that are alleged to have “enormous levels of fraud,” and “enrich insurance companies even more.”

Transparent financing and spending are crucial for political viability. The bill was crafted to avoid being scored as a tax by the CBO, which would have led to its failure. If it had explicitly stated that healthy individuals would pay while sick individuals received benefits, it wouldn’t have passed. The lack of transparency played a significant role in its acceptance. At an academic conference, I discussed a proposal to tax insurance companies selling expensive plans instead of directly taxing individuals. This approach cleverly exploits the public's limited economic understanding. Ultimately, the tax on insurance companies would lead to higher prices, negating the tax benefits for consumers, but it was framed in a way that resonated politically.

I'm heading to Capitol Hill. They’re voting on the Shutdown Fairness Act today, but I figured something out. I think I understand why this shutdown is happening: why would the Democrats shut down the government, depriving federal workers and the military of pay and food, and depriving the military of their health care through Tricare? It doesn’t make sense. It has nothing to do with it being the far left or against Trump. It has to do with the insurance companies. The people responsible are insurance companies like United Healthcare, Aetna, Molina, Kaiser. They are getting paid every single month from the treasury, even as the government is shut down. So the insurance companies are getting mandatory payments while federal workers and the military get nothing. This isn’t about health care in the abstract; it’s about dark money from billion-dollar insurance companies. If they lose the ACA credits for next year, they won’t get any of that money. Tax credits are paid on behalf of the insured, and they go directly to the insurance companies. That’s why Democrats are fighting so hard on this: it has nothing to do with people’s premiums per se. It has to do with the insurance companies not getting billions and billions of dollars in January and next year. The shutdown, to me, finally makes sense: it’s about the billion-dollar insurance companies. And so much of the Democrats’ talking points—about premiums—miss the point. These are not market rates; they’re set by the insurance companies. They’re the ones deciding to keep people without health care. The government isn’t the main bottleneck; if anything, the government is helping the problem. The problem is the insurance companies. They set premiums, and their providers own hospitals and set obscene rates for procedures, profiting off the hospitals. This entire shutdown is about dark money from corporations like United Healthcare, Aetna, Kaiser, Molina, and their influence on our politicians. That’s why the government is shut down right now. The idea that Democrats might be acting because insurers threaten to withhold funding for reelection finally clicks. It’s all about health insurance companies, not about people trying to access health care. If the goal were to make access to care cheaper, they would force insurers to quit raising premiums and put a cap on those premiums every year.

Lack of transparency is a huge political advantage. The speaker notes that, call it the stupidity the American voter or whatever, transparency is used as a strategic tool, and that this lack of openness was really, really critical to getting the thing to pass. This perspective is described as the second best argument, implying that there are multiple justifications, with transparency being a lesser but still important line of reasoning. The speaker adds, “I wish Mark was right,” acknowledging a belief that complete transparency would be preferable if it were feasible. Yet, the practical stance remains that “We can make it all transparent, but I'd rather have this law than not,” indicating a willingness to accept less transparency in order to achieve the law’s enactment. The comparison is drawn to “his reporter story,” suggesting a point of reference or analogy about messaging or framing used to advocate for the law. Despite admitting that there are things they wish could be changed, the overarching conclusion is the same: “but I'd rather have this law than not.” In sum, the speaker emphasizes that minimizing transparency was a deliberate strategic choice that contributed to the law’s passage, recognizes a preferred but unrealized accuracy in Mark’s view, and acknowledges trade-offs between transparency and achieving legislative goals, with a preference for the law over the absence of the law.

The speaker argues that the Obama and Biden administrations created and extended health-insurance subsidies, not to help individuals, but to fuel a cash pipeline to insurance companies. They claim that the policy began as a temporary expansion of subsidies in 2021, intended to help voters in 2022 and 2024, but now that the election is over, the subsidies will expire in 2025 and premiums will surge. Key points emphasized: - Premiums are currently subsidized: if a typical premium is $600 a month, the speaker says people pay $400 and the government sends $200 to insurance companies, effectively providing $24 billion a year in free money to big insurers. - In 2025, the discounts are said to disappear, causing the bill to revert to $600 or higher. The claim is that Democrats allowed this to happen and knowingly prepared for the premium spike. - The subsidies were expanded temporarily in 2021, but the speaker asserts they were not meant to help voters indefinitely; after the election, the impact is that premiums will rise. - The core assertion is that this is not primarily about health care, but about a cash flow to insurance companies. The speaker contends insurers lobby for subsidies and donate to keep them coming, and when subsidies expire, blame shifts to the other side while insurers profit. - The speaker claims Trump did not create this; Obama did, and Biden extended it only until after the election. The current gridlock is described as political theater because the real election has ended and the dispute is between insurance companies and the general public. - Democrats are portrayed as fighting for their next campaign donation checks from major insurers (UnitedHealthcare, Pfizer, Blue Cross) and for donor interests rather than for individuals. - The speaker asserts that people will experience rising premiums in 2025 and will beg for relief, while they blame the opposing party. A contrast is drawn between government spending that is criticized (e.g., $6 billion for Ukraine) and the claim of $24 billion per year for insurance companies. - The concluding message is that the money is not for you; you are the hostage and the insurers are the kidnappers. The claim remains that each party will let this happen again, and thus, neither Democrats nor Republicans work for the people. - The speaker urges viewers to stop voting for either side and to share the message if they are sick of it.

Thank you. It’s good to be here. We've been discussing how to pay for my plans. They're logical, but Washington isn't. How will I convince a divided Congress to support them, given their past behavior? It will involve taxes. Economists across the spectrum agree, although Congress isn't made up of economists. I understand the concern, but that's the reality.

parliamentarian ruled that sections of it were outside of the process that they're using to get this through. Do you think that senators should respect the decisions of the parliamentarian? And what have you personally done in the last forty eight hours to try and get Republican senators who are against the bill to a yes? 'If it's not approved, your taxes will go up by 68%. Think of that. 68, a record, the highest in the history.' 'The Democrats won't approve it only because, politically, it's so good for the Republicans.' 'They're not approving border security.' 'We've done a great job at the border, but we have to add some wall.' 'We have no money for that.' 'But if the Democrats it'll be interesting to see if we get any Democrat votes. We should.' 'If I were a Democrat, I would vote for this bill all day long because it's tax cuts and so many other things that are common sense.'

The transcript centers on a critique of Democrats and the healthcare industry, framing the Capitol Hill hearing as evidence of a coordinated effort to undermine President Trump’s health care agenda. It asserts that Democrats and “the big insurance companies” are “combining forces to sabotage president Trump on Capitol Hill,” and claims this is exemplified by coverage and clips available on the speaker’s website and social media. Key points highlighted: - Democrats, Obamacare architects, and the pharmaceutical/insurance cartel are alleged to be “working in lockstep to block president Trump’s patient first health care agenda.” - Ahead of the hearing, the speaker says Loomer Unleashed warned how the proceedings would unfold, asserting that corporate health care executives aligned with Democrats against President Trump, Congressional Republicans, and the American people. - The speaker claims Democrats deployed Obama operatives—people featured on Barack Obama’s White House website—as “experts” on health care, alongside anti-Trump radical left activists who allegedly pretended to be health care experts, to blame Republicans for the health care crisis without addressing Obamacare’s effects. - Congressional Republicans, specifically Jason Smith and Randy Feenstra, are quoted as arguing that Democrats want to cast blame elsewhere because they do not accept responsibility for Obamacare, which the speakers say was always going to be a disaster. - A clip from Speaker 1 describes the hearing as “the first of more to come examining the entire health care sector.” The stated purpose is to question some of the largest health insurers about why costs are rising and how health care can be made more affordable for all Americans, asserting that Democrats in the majority previously ignored this issue. - The speaker claims that Americans are still struggling to afford basic care, with premiums “exploding” and patients being delayed and denied care “every day.” - The hearing is said to have shown that, instead of demanding accountability, a senior Democrat reassured CEOs with the statement, “it’s not your fault,” implying the Democrats’ recognition that costs rose under Obamacare. - The claim is reiterated that, after fifteen years of a Democrat-created health system under Obamacare, prices have “only gone up, not down.” The speaker indicates there is extensive video and article coverage of the hearing available online, including numerous clips and a summary article that highlights these points. The overall narrative portrays Obamacare as a disaster, accusing Democrats of avoidance of responsibility and of manipulating the hearing to deflect blame away from policy outcomes.