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The Health Insurance Dilemma

The Health Insurance Dilemma

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 In this episode, Mary and Leah dive into the realities of the U.S. healthcare system and why it is deeply personal—especially for women, families, and those in agriculture. From navigating insurance as self-employed ranchers to the loss of rural healthcare access, they share lived experiences, hard truths, and honest frustration with a system that often feels broken. This conversation covers affordability, pre-existing conditions, delayed care, and the emotional toll healthcare decisions place on women who manage family wellbeing. Rooted in rural values, the episode also highlights resilience, community care, personal responsibility, and small ways families can take control of their health while advocating for better solutions. This is not a political debate—it’s a real conversation about real people, and why healthcare must work better for everyone. 00:00 Mary and I'm Leah and welcome to Grit and Grace in the Heartland. Good morning Leah, how are you? Good morning Mary, I'm great. Good. um So the second episode is going to be about the health care situation in the US right now and I don't know how to introduce it very well so that's my introduction to the to the episode for today. um 00:25 One thing I want to say before we really dig in is that healthcare is definitely a women's issue. We are the ones who birth babies. We are the ones who might not want to birth babies. And we're the ones who keep the, I don't have a word, the population growing because we're the ones who produce the next generations. for women, this is a very hot topic and 00:55 I didn't really think about the fact that this situation with the Affordable Care Act was such a big deal because my husband has a job and we get our health insurance through his employer. And when Leah and I were talking back on an episode a while ago on the other podcast, Leah mentioned that because they are self-employed, they don't have 01:23 anything offered to them for health insurance outside of uh the Affordable Care Act and we all know what's going on with that right now. So Leah's going to be really generous and talk about her experience with this. 01:37 Thanks, Mary. Oh, goodness, it's such a complicated conversation. And over Christmas, our family was reminiscing like people often do when they're gathered. And we were talking actually about some of the traumatic events that have happened on the ranch over the last 40-some years, including when I was a child and I required uh emergency medical care with a broken leg. my parents saying, you know, back then, 02:03 you just went to the emergency room or to the clinic and you had business taken care of if it included being admitted or just treated and released and then you got a bill in the mail. And while it was considered expensive, of course, it didn't ever feel unmanageable or impossible. We can all agree that certain families probably have more dynamics of like trying to 02:30 diagnose yourself and use your own cures and treat things. But people didn't just avoid going to pursue healthcare treatment because they were afraid of it as they are now. That it means the decimation of anything you've ever had and saved and worked for and people avoiding care or delaying treatment. And 40 years really isn't that long. We've evolved and changed so much. And when we moved home back to the ranch and left our 03:00 great jobs with great health insurance. Even then in 2012, we weren't afraid of becoming self-employed and joining legions of other friends who were self-employed, not just in agriculture, but really anywhere where you were purchasing your own health insurance. How quickly things have already changed in the last 13 years. So we're self-employed. We are on our own for purchasing our 03:26 healthcare coverage, whatever type of coverage we need. We don't have a pool of employees at the ranch. So uh yeah, indeed on our own. And it became a job each year doing the research, investigating what kind of things were available to us. I'm thankful for sometimes crisis is what brings about the most entrepreneurial new ideas where we have 03:55 now providers who are cash pay like the old days or health share kind of companies that are there. There are a couple of private health insurance companies out there, but they're not easy to work with, especially have pre-existing conditions. And then there is the marketplace where millions and millions of people go to shop for a plan that's available that they can afford if they meet those income requirements. 04:24 And the end of 2025 leaves me discouraged because I feel like, you know, which crisis of the day do you want to talk about for this country? But the wellbeing of our healthcare industry has to be a priority in my mind. A healthy America is a strong America. And there are lots of facets and components to that. em But ultimately we're at a... uh 04:51 at a stalemate, in my opinion...
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