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666: The year that was, and the year that will be (Video) show art 666: The year that was, and the year that will be (Video)

Plain Talk

The year 2025 is almost in the books. On this episode of Plain Talk, we took a look back at the last year, looking at some of the highlights (and lowlights, unfortunately) that made news. The legislature passed massive property tax reform. It's a "sea change" for what's long been a thorny issue, I argued, but can it be maintained? Lawmakers will have to continue funding the $1,600 credits for primary residences while simultaneously holding the line on attempts to water down the 3% cap on local spending. Also, shamelessness was a theme in state (as well as national) politics. Elected officials...

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666: The year that was, and the year that will be show art 666: The year that was, and the year that will be

Plain Talk

The year 2025 is almost in the books. On this episode of Plain Talk, we took a look back at the last year, looking at some of the highlights (and lowlights, unfortunately) that made news. The legislature passed massive property tax reform. It's a "sea change" for what's long been a thorny issue, I argued, but can it be maintained? Lawmakers will have to continue funding the $1,600 credits for primary residences while simultaneously holding the line on attempts to water down the 3% cap on local spending. Also, shamelessness was a theme in state (as well as national) politics. Elected officials...

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665: 'I hate that we're relying on emergency ad hoc payments again' (Video) show art 665: 'I hate that we're relying on emergency ad hoc payments again' (Video)

Plain Talk

Matt Perdue is the newly-elected president of the North Dakota Farmers Union. While he was campaigning among Farmers Union members for that office earlier this year, he said he spent a lot of time talking about health care. And not because he was asking about it. "I've spent the last few months traveling the state, visiting with folks in small towns across North Dakota, and I think it's really important to make the point that I have not asked them to talk about healthcare, he said on this episode of Plain Talk. "They have asked me to talk about healthcare. It's a top-of-mind issue for farmers...

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665: 'I hate that we're relying on emergency ad hoc payments again' show art 665: 'I hate that we're relying on emergency ad hoc payments again'

Plain Talk

Matt Perdue is the newly-elected president of the North Dakota Farmers Union. While he was campaigning among Farmers Union members for that office earlier this year, he said he spent a lot of time talking about health care. And not because he was asking about it. "I've spent the last few months traveling the state, visiting with folks in small towns across North Dakota, and I think it's really important to make the point that I have not asked them to talk about healthcare, he said on this episode of Plain Talk. "They have asked me to talk about healthcare. It's a top-of-mind issue for farmers...

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664: 'We've just got too many programs' (Audio) show art 664: 'We've just got too many programs' (Audio)

Plain Talk

North Dakota has made large strides towards using investments of public funds not just as a way to generate revenue for the for the state but also, by making those investments in North Dakota companies, to benefit the state's economy. But these investments are happening in a lot of different ways, and when some investments made through some programs go bad, and make negative headlines, they can sour the public's view of this sort of public investing. One complicating factor in this is that the state has dozens and dozens of economic development programs, overseen by a patchwork of boards and...

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664: 'We've just got too many programs' (Video) show art 664: 'We've just got too many programs' (Video)

Plain Talk

North Dakota has made large strides towards using investments of public funds not just as a way to generate revenue for the for the state but also, by making those investments in North Dakota companies, to benefit the state's economy. But these investments are happening in a lot of different ways, and when some investments made through some programs go bad, and make negative headlines, they can sour the public's view of this sort of public investing. One complicating factor in this is that the state has dozens and dozens of economic development programs, overseen by a patchwork of boards and...

info_outline
663: 'Where is our home if America is not our home?' (Video) show art 663: 'Where is our home if America is not our home?' (Video)

Plain Talk

Hamida Dakane says she was "disappointed" but "not surprised" by President Donald Trump's comments insulting Somalians and calling on them to leave the country. But it hurt.  "You know, this comment, it hits deeply on personal level, and what makes it worse is it's coming from the president of the free world," she said. "It's not just offensive. It is dehumanizing. It shakes your sense of belonging. Even if you lived here 5 days or decades, you call America or Minnesota or North Dakota home, and then the people who represent you demonize you to the point that they call you garbage. It's...

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663: 'Where is our home if America is not our home?' (Audio) show art 663: 'Where is our home if America is not our home?' (Audio)

Plain Talk

Hamida Dakane says she was "disappointed" but "not surprised" by President Donald Trump's comments insulting Somalians and calling on them to leave the country. But it hurt.  "You know, this comment, it hits deeply on personal level, and what makes it worse is it's coming from the president of the free world," she said. "It's not just offensive. It is dehumanizing. It shakes your sense of belonging. Even if you lived here 5 days or decades, you call America or Minnesota or North Dakota home, and then the people who represent you demonize you to the point that they call you garbage. It's...

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662: 'I want to be the governor for everybody' (Video) show art 662: 'I want to be the governor for everybody' (Video)

Plain Talk

"I think sometimes we forget that every community in the country has a whole bunch of people that wake up every morning, and the baseball bat that is called life cracks them across the head," Gov. Kelly Armstrong said on this episode of Plain Talk. "They're the people serving food in a diner, working behind a gas station counter. Sometimes they're sitting in your office right now, anywhere you're at. And if you don't recognize that, then you're not really the governor for everybody. And I want to be the governor for everybody." Armstrong was responding to a question about his administration's...

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662: 'I want to be the governor for everybody' (Audio) show art 662: 'I want to be the governor for everybody' (Audio)

Plain Talk

"I think sometimes we forget that every community in the country has a whole bunch of people that wake up every morning, and the baseball bat that is called life cracks them across the head," Gov. Kelly Armstrong said on this episode of Plain Talk. "They're the people serving food in a diner, working behind a gas station counter. Sometimes they're sitting in your office right now, anywhere you're at. And if you don't recognize that, then you're not really the governor for everybody. And I want to be the governor for everybody." Armstrong was responding to a question about his administration's...

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More Episodes

Back in August, during an interview on Plain Talk, North Dakota Insurance Commissioner Jon Godfread said that Congress needed to renew subsidies for Obamacare marketplace policies to avoid a "death spiral" in the insurance market brought on by younger, healthier shoppers reacting to price spikes by giving up their policies.

Well, it's December now. The year is almost over, and Congress hasn't acted. Not only have subsidies not been renewed, majority Republicans haven't even unveiled a plan to address that specific problem, or the larger challenge of spiraling health care and health insurance rates.

On this episode of Plain Talk, Shelly Ten Napel, CEO of the Community HealthCare Association of the Dakotas, said many of the tens of thousands of families in our region that get their insurance through the federal marketplace could end up paying twice as much.

"So, without the enhanced premium tax credits, your percent goes up to 9.16 for that family of four, which is $672 a month," she said. So, it's more than double 363 to um 672. And your annual for the year would be over $8,000."

Ten Napel echoed Godfread's point about the "death spiral," pointiing out that younger and healthier insurance customers would probably react rationally to these sort of massive price hikes by leaving the market.

"What we would expect is that probably healthy people will be the first people to drop coverage. So, those younger individuals, those people without current chronic conditions," she said. This would mean that "our risk pool's going to get sicker and so the costs are going to go up for everybody."

Ten Napel said that, even as Congress wallows in dysfunction on this issue and others, there are things states like North Dakota can do to address health care, and thus health insurance, costs. More investment in preventative care, for instance, the neglect of which is akin to "refusing to pay for regular oil changes to save money."

Also on this episode, co-host Chad Oban and I discuss the controversy over bonuses in the Retirement and Investment Office, the need for greater transparency when it comes to the economic incentives our state and local governments offer, and the perenially unsuccessful Rick Becker running for elected office, again, in the 2026 cycle.

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.

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