What's good, everyone. This is Dr. Neidarko. Make sure you hit the subscribe button below so that you're always up to date on the new uploads as well as alerts on this show. The other thing that you can do to help build this community is make sure you leave a comment below. Let us know what you like, what you don't like about the show. And ultimately, let us know who's winning these arguments because I need to know that I'm beating Renee in these debates.

Run the tape.

Let's jump into this Affordable Care Act and why we want to talk about it now. So the Affordable Care Act, Obamacare, basically it is the provision that allows me and Renee, people who want to start their own business, people who are working on their own, to purchase

healthcare on the market, quote unquote. So you go to a website for your state and you, in essence,

buy health care through the website and this health care will cover you, cover your spouse,

cover your kids if you have any or any other dependents, and then you pay a

monthly fee for that. As independent contractors, this is the cost of doing business, and it becomes

something that becomes a tax deduction, right? So it's extremely vital for us to have health

insurance if we're going to be working, right? If you are employed, if you're employed right now, that part you don't have to worry about, right? That gets deducted. You know, the beginning of the year when you go to human resources, you get to choose your health insurance. And in essence, actually, you don't choose your health insurance. You choose the type of health insurance that you want. And then based off of your premium, you make decisions on that, right?

What we do is we get to find any type of health insurance company that covers New Jersey, and we make decisions based off of the cost effectiveness of it and what it covers and go from there.

So the interesting thing is what we're concerned about is, you know, the current administration

under Trump back in 2016, 2017, he made some decisions that we weren't cool with. Long story

short, he made some decisions that, in essence, kind of destabilized the market. So the best

way I could describe it is if we're paying like $500 a month for our health insurance, right?

That's to cover me, Renee, and the kids.

He made some moves that in essence told the insurance companies, yeah, we don't know if the Affordable Care Act is going to be in existence like in a year or so or in two years.

We don't know.

And as a result, those insurance companies,

what they do is because they have to cover way more people, right, it kind of stabilizes the

market. Right. So the whole thing, the way how insurance companies work is they accept a lot of

money from everybody and they spend money on the sickest people. And the more you throw in regular non-sick people,

they get money from non-sick people, but they don't have to pay for non-sick people. They use

...