Plain Talk

Farmers and ranchers are in a particularly vulnerable spot amid this protracted shutdown of the federal government. President Donald Trump's erratic trade policies have driven up the cost of doing business, and complicated access to international markets, even as crop prices have come in below profitable levels. Trump's push prop up Argentinian President Javier Milei, an admirer and populist ally, through direct cash bailouts and quadrupling the beef imports from that country have also made life difficult for North Dakota ranchers at a time when farm and ranch bankruptcies are soaring. Also, farmers and ranchers, who typically don't have access to employer-backed health insurance policies, are major users of the insurance marketplace created by Obamacare. Federal subsidies for those plans are the primary bone of contention between Democrats and Republicans during the shutdown. North Dakota Insurance Commissioner Jon Godfread has warned that if Congress doesn't renew those subsidies soon, those who get their insurance from the marketplace will face dramatic premium increases. It is in this environment that the North Dakota Farm Bureau, one of the largest and most importance agriculture advocacy groups in the state, is set to elect a new leader. Val Wagner, one of the candidates for that position, joined this episode of Plain Talk. "I personally just feel like the best way to have people understand where their food comes comes from, and for them to care about where their food comes from, is to talk to them about it, to have a relationship with them, so that they understand this isn't just some name on a box somewhere," she said. "That it really is a family that's behind all of this." She also addressed the complex politics around agriculture issues, particularly at a time when much of the pain farmers and ranchers are facing is being caused a president rural Americans voted for overwhelmingly. Wagner says that she wants to make the group less ideological than it has been in the past. "I really think that's our biggest thing, is that we need to re-engage those members that we have started to not hear from because they feel like sometimes the fringe is getting more attention than they are," she said. 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

Farmers and ranchers are in a particularly vulnerable spot amid this protracted shutdown of the federal government. President Donald Trump's erratic trade policies have driven up the cost of doing business, and complicated access to international markets, even as crop prices have come in below profitable levels. Trump's push prop up Argentinian President Javier Milei, an admirer and populist ally, through direct cash bailouts and quadrupling the beef imports from that country have also made life difficult for North Dakota ranchers at a time when farm and ranch bankruptcies are soaring. Also, farmers and ranchers, who typically don't have access to employer-backed health insurance policies, are major users of the insurance marketplace created by Obamacare. Federal subsidies for those plans are the primary bone of contention between Democrats and Republicans during the shutdown. North Dakota Insurance Commissioner Jon Godfread has warned that if Congress doesn't renew those subsidies soon, those who get their insurance from the marketplace will face dramatic premium increases. It is in this environment that the North Dakota Farm Bureau, one of the largest and most importance agriculture advocacy groups in the state, is set to elect a new leader. Val Wagner, one of the candidates for that position, joined this episode of Plain Talk. "I personally just feel like the best way to have people understand where their food comes comes from, and for them to care about where their food comes from, is to talk to them about it, to have a relationship with them, so that they understand this isn't just some name on a box somewhere," she said. "That it really is a family that's behind all of this." She also addressed the complex politics around agriculture issues, particularly at a time when much of the pain farmers and ranchers are facing is being caused a president rural Americans voted for overwhelmingly. Wagner says that she wants to make the group less ideological than it has been in the past. "I really think that's our biggest thing, is that we need to re-engage those members that we have started to not hear from because they feel like sometimes the fringe is getting more attention than they are," she said. 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

This week Gov. Kelly Armstrong announced his appointment to replace Superintendent Kirsten Baesler, who has been confirmed for a position in President Donald Trump's administration, but it's a somewhat unusual situation. Levi Bachmeier can't take office yet, because Baesler can't officially take her position in the federal government, because the government is shut down. But eventually the rancor in Washington D.C. will subside enough for Baesler to move up, and for Bachmeier to move in. In the mean time, the new appointee says he has resigned his seat on the State Board of Higher Education — "I submitted a resignation letter to the governor right after the press conference," he said on this episode of Plain Talk — and will be helping his replacement transition into his job as business manager for West Fargo Public Schools. As for his new job? "I have a responsibility to ensure that that the focus is on what's best for students," he said. The superintendent job is an elected one, and even though the four-year term he's taking over from Baesler just started this year, state law requires Bachmeier to appear on next year's ballot to have his appointment confirmed. The office is officially nonpartisan, but traditionally the candidates for it have sought endorsements from their political parties. The North Dakota Republican Party, which had endorsed Baesler in her three previous campaigns, has been taken over by a populist faction of Republicans and denied Baesler the party's endorsement at last year's state convention. How will Bachmeier, who, like Baesler, is a political moderate, handle that situation? "I'm a Republican. I'm a conservative," Bachmeier, a former district chairman for the NDGOP, told us. "I won't be seeking, you know, the the Democratic convention support." But he's not sure about seeking the NDGOP's endorsement either, saying he needs to "think really hard about what I do as a Republican when it comes to running for a nonpartisan seat." "I've been really focused on just thinking through how do I do the job well, and hope that if that's done well, the the politics will take care of itself," he said. 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

This week Gov. Kelly Armstrong announced his appointment to replace Superintendent Kirsten Baesler, who has been confirmed for a position in President Donald Trump's administration, but it's a somewhat unusual situation. Levi Bachmeier can't take office yet, because Baesler can't officially take her position in the federal government, because the government is shut down. But eventually the rancor in Washington D.C. will subside enough for Baesler to move up, and for Bachmeier to move in. In the mean time, the new appointee says he has resigned his seat on the State Board of Higher Education — "I submitted a resignation letter to the governor right after the press conference," he said on this episode of Plain Talk — and will be helping his replacement transition into his job as business manager for West Fargo Public Schools. As for his new job? "I have a responsibility to ensure that that the focus is on what's best for students," he said. The superintendent job is an elected one, and even though the four-year term he's taking over from Baesler just started this year, state law requires Bachmeier to appear on next year's ballot to have his appointment confirmed. The office is officially nonpartisan, but traditionally the candidates for it have sought endorsements from their political parties. The North Dakota Republican Party, which had endorsed Baesler in her three previous campaigns, has been taken over by a populist faction of Republicans and denied Baesler the party's endorsement at last year's state convention. How will Bachmeier, who, like Baesler, is a political moderate, handle that situation? "I'm a Republican. I'm a conservative," Bachmeier, a former district chairman for the NDGOP, told us. "I won't be seeking, you know, the the Democratic convention support." But he's not sure about seeking the NDGOP's endorsement either, saying he needs to "think really hard about what I do as a Republican when it comes to running for a nonpartisan seat." "I've been really focused on just thinking through how do I do the job well, and hope that if that's done well, the the politics will take care of itself," he said. 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

On previous episodes of Plain Talk, North Dakota Insurance Commisisoner Jon Godfread and Chris Jones, the former head of the state Department of Health and Human Services who is just wrapping up a stint as an adviser in President Donald Trump's administration, argued that health care pricing is opaque. They said that lack of transparency contributes to spiraling health care costs, and thus the rising cost of health insurance. Godfread, specifically, pointed to research his office has done in North Dakota -- he's called it a "secret shopper" study -- showing wide disparities in pricing for routine procedures between the state's hospitals. In some cases, the price difference is as much as 600%. For his part, Jones said that spiral prices for care, driving spiral prices for insurance, are bringing us "precipitously close to having a significant issue with access to health care." What do the people who charge those prices have to say about it? Tim Blasl, the president of the North Dakota Hospital Association, said that while care providers do make prices available, that's usually not what those providers actually charge. "Typically we don't collect those charges," he said on this episode of Plain Talk. "I would say 90 to 93% of our payments that we receive, whether it's from the federal government and CMS, or state Medicaid, or commercial, those have been sort of predetermined already. So even though we have a charge, we are not collecting what we charge." "We do have to establish a charge," he continued, "but, again, if you have insurance in this country, you are not paying what that charge is. You're paying that negotiated rate that's been determined between the payer and the provider." As for the secret shoppers? Blasl wondered if some of the differences could be the different ways hospitals calculate prices. A single procedure could require care from different groups within a hospital -- anesthesiology, radiation, etc. -- and when some hospitals provide a quote, they might be including prices for the entire bundle of care that procedure requires or just one part of it. During the legislative session earlier this year, Rep. Jared Hendrix, a Republican from Fargo, introduced House Bill 1594, which would have implemented new state-level requirements for price transparency from hospitals. Why did Blasl's organization oppose it? Because it was duplicative. "The state wanted to make it a requirement, you know back in the last session, and we felt that was just another layer, because it mirrored what the federal government was doing," Blasl said. "If you look at what that bill required hospitals to do, it's the same thing as what CMS requires us to do today," he continued. "We just felt like it's a federal requirement now, why should we be spending state dollars to monitor it on the state level when the feds do it already?" he added. 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

On previous episodes of Plain Talk, North Dakota Insurance Commisisoner Jon Godfread and Chris Jones, the former head of the state Department of Health and Human Services who is just wrapping up a stint as an adviser in President Donald Trump's administration, argued that health care pricing is opaque. They said that lack of transparency contributes to spiraling health care costs, and thus the rising cost of health insurance. Godfread, specifically, pointed to research his office has done in North Dakota -- he's called it a "secret shopper" study -- showing wide disparities in pricing for routine procedures between the state's hospitals. In some cases, the price difference is as much as 600%. For his part, Jones said that spiral prices for care, driving spiral prices for insurance, are bringing us "precipitously close to having a significant issue with access to health care." What do the people who charge those prices have to say about it? Tim Blasl, the president of the North Dakota Hospital Association, said that while care providers do make prices available, that's usually not what those providers actually charge. "Typically we don't collect those charges," he said on this episode of Plain Talk. "I would say 90 to 93% of our payments that we receive, whether it's from the federal government and CMS, or state Medicaid, or commercial, those have been sort of predetermined already. So even though we have a charge, we are not collecting what we charge." "We do have to establish a charge," he continued, "but, again, if you have insurance in this country, you are not paying what that charge is. You're paying that negotiated rate that's been determined between the payer and the provider." As for the secret shoppers? Blasl wondered if some of the differences could be the different ways hospitals calculate prices. A single procedure could require care from different groups within a hospital -- anesthesiology, radiation, etc. -- and when some hospitals provide a quote, they might be including prices for the entire bundle of care that procedure requires or just one part of it. During the legislative session earlier this year, Rep. Jared Hendrix, a Republican from Fargo, introduced House Bill 1594, which would have implemented new state-level requirements for price transparency from hospitals. Why did Blasl's organization oppose it? Because it was duplicative. "The state wanted to make it a requirement, you know back in the last session, and we felt that was just another layer, because it mirrored what the federal government was doing," Blasl said. "If you look at what that bill required hospitals to do, it's the same thing as what CMS requires us to do today," he continued. "We just felt like it's a federal requirement now, why should we be spending state dollars to monitor it on the state level when the feds do it already?" he added. 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

"Banking has been on payment rails that are old and traditional," Don Morgan said on this episode of Plain Talk. "They were built in 1970. They're antiquated." Morgan is the president of the Bank of North Dakota, which recently announced a new blockchain currency called the Roughrider Coin — a "stablecoin," in the parlance of the industry. He came on the show to talk about how that will serve the interests of North Dakotans. The answer? It won't. Not directly. At least not at first. As Morgan's analogy about "rails" makes clear, the best way to think about this new currency is as infrastructure. This is a "blockchain-enabled transaction framework," Morgan said. Right now, when you make an online payment, or you swipe your debit card at the grocery story, your transaction is processed through a lot of computers that ensure that you're nor using a stolen car, or that you have enough available credit or account balance to cover the transaction. But this process can be slow, and expensive both for the businesses accepting the payments and their customers making them. Banks in our region will have the Roughrider Coin available to innovate when it comes to those sort of transactions. They'll be able to "begin to build a blockchain enabled digital transaction framework for banking," which would be the "first of its kind." The potential applications are numerous. Another example Morgan referenced was using the Roughrider coin as an on and off ramp for international currencies. North Dakota agriculture businesses frequently operate in various international markets, and navigating the various foreign currencies can be difficult. This coin could make it easier. Morgan also talked about North Dakota's new program aimed at helping furloughed federal workers and military workers through the government shutdown. The idea was implemented by the state Industrial Commission, which oversees the Bank of North Dakota, and it will facilitate 2% loans to furloughed workers for up to 90 days worth of their pay. "These are North Dakota residents living next to you," Morgan said, arguing that it's right for the state to step in and help smooth out any disruptions to their lives. 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

"Banking has been on payment rails that are old and traditional," Don Morgan said on this episode of Plain Talk. "They were built in 1970. They're antiquated." Morgan is the president of the Bank of North Dakota, which recently announced a new blockchain currency called the Roughrider Coin — a "stablecoin," in the parlance of the industry. He came on the show to talk about how that will serve the interests of North Dakotans. The answer? It won't. Not directly. At least not at first. As Morgan's analogy about "rails" makes clear, the best way to think about this new currency is as infrastructure. This is a "blockchain-enabled transaction framework," Morgan said. Right now, when you make an online payment, or you swipe your debit card at the grocery story, your transaction is processed through a lot of computers that ensure that you're nor using a stolen car, or that you have enough available credit or account balance to cover the transaction. But this process can be slow, and expensive both for the businesses accepting the payments and their customers making them. Banks in our region will have the Roughrider Coin available to innovate when it comes to those sort of transactions. They'll be able to "begin to build a blockchain enabled digital transaction framework for banking," which would be the "first of its kind." The potential applications are numerous. Another example Morgan referenced was using the Roughrider coin as an on and off ramp for international currencies. North Dakota agriculture businesses frequently operate in various international markets, and navigating the various foreign currencies can be difficult. This coin could make it easier. Morgan also talked about North Dakota's new program aimed at helping furloughed federal workers and military workers through the government shutdown. The idea was implemented by the state Industrial Commission, which oversees the Bank of North Dakota, and it will facilitate 2% loans to furloughed workers for up to 90 days worth of their pay. "These are North Dakota residents living next to you," Morgan said, arguing that it's right for the state to step in and help smooth out any disruptions to their lives. 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

"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