Katie Tolento, the director of Alliance of Health Care Sharing Ministries, discusses the influence of faith on her career in public health and epidemiology. She highlights the importance of addressing health care disparities and advocating for holistic solutions. Katie emphasizes the need to prioritize the most vulnerable populations and the impact of food on mental health and overall well-being.
She also discusses the corruption in the food and pharmaceutical industries and the power of lobbying in shaping health care policies. Katie shares her passion for health care sharing ministries as a pro-life and pro-family alternative to traditional insurance companies. She encourages individuals to educate themselves on these issues and actively push back against harmful policies.
00:00 - Introduction
03:01 - Addressing Health Care Disparities
06:54 - Corruption in the Food and Pharmaceutical Industries
15:28 - Health Care Sharing Ministries
20:05 - Insurance Premium Pooling and Pushing Back Against Harmful Policies
22:18 - Political Landscape and Fighting for Pro-Life Policies
25:09 - Closing Remarks and Contact Information
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Invested with purpose, making the most out of your time, talent, and treasures.
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Pull up a seat and join us as we uncover powerful testimonies that are sure to move and inspire
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you.
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Meet Christians from all walks of life and hear their incredible stories that will both
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motivate and challenge the way you view the world.
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These men and women exemplify Christian values and biblical stewardship in areas of mission,
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finance, entertainment, sports, and more.
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Welcome to Invested with Purpose, making the most out of our time, talent, and treasure.
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I'm Cara.
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And I'm Brian.
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And today, Katie Tolento is with us.
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Katie views her faith as a guiding force that has profoundly shaped her professional journey.
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She believes that her commitment to public health and epidemiology is deeply intertwined
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with her values, motivating her to address health care disparities and advocate for holistic
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solutions as the Director of Alliance of Health Care Sharing Ministries.
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Welcome, Katie.
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Thank you so much for having me.
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I knew I was going to mispronounce that word before we even started.
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It's a tongue twister.
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Say it three times fast.
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Epidemiology.
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All right, Katie, can we begin with you just sharing a little bit about your faith walk
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and how it's influenced your career, particularly in your interest in epidemiology and health
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care?
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Yeah, I think I started many, many moons ago.
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I remember being in college and wishing I could just go join up with Mother Teresa's
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nuns or something because I wanted to do something radical.
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And as I learned sort of what I was good at, what I wasn't good at, and I fell into this
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public health thing, I think I thought I wanted to be a doctor and realized that I don't like
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that.
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So I did not want to be a doctor.
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I wanted the whole population to be my patient, which is what happens in epidemiology.
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And that's what public health is.
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And it was fun because I had worked with churches that worked overseas in various places, and
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I ended up going to Africa and spending some time there in a war, actually, when Southern
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Sudan was a war zone, and hanging out in UN camps.
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But what I found is that I'm a little not diplomatic enough to interact with African
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warlords and try to beg them to let us help people.
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I'm like, I'm going to go back to America and work in the inner city.
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So I came back and worked in the inner city.
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We started a ministry for junior high girls here in the DC area.
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And really, I think working with the least of these, the poorest of the poor, and I was
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really inspired by missionaries who've been killed, like Jim Elliot or Mother Teresa's
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people, and ancient martyrs for the faith.
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And I thought, you know what?
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We really have to prioritize these people that Jesus loves the most.
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And that is when I started working primarily in HIV AIDS with drug users, injection drug
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users, prostitutes, and people who are really enslaved, totally enslaved.
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And we ended up going all over the world, as well as in DC on those issues.
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But that's kind of how I got into public health.
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Wow.
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And you were a nun at one point working in the inner city, correct?
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Yeah, eventually I did.
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I became a Catholic in my 30s, actually.
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I left at sort of the height of my political career and government policy career.
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I like to say that Senator Tom Coburn, who was my boss at the time, drove me to the nunnery.
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He was awesome.
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Anyway, so yeah, I think I fell in love with the church and thought I had to marry the
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church, right?
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And I wanted to be radical.
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And it was a beautiful life.
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I did it for about two years.
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And I realized that God wasn't calling me to stay in that life, and that actually I
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was called to be back in the world, working in government, trying to have that bigger
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population as my patient again.
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The greater good.
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Yeah.
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And you were quoted recently in a Fox News article as saying, America has never been
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sicker, fatter, or more anxious and depressed in our history.
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And I would like to add, spiritually unwell is on top of that.
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What is a first step for Christian families?
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Where can we go from here?
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What can we monitor?
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What can we be doing better?
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Yeah, I think so many of us have focused when we hear that idea of treating our bodies as
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a temple of the Holy Spirit.
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I think that we think about our moral behavior.
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We think about our tongue and whether we use bad language and whether we're engaged in
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drinking and other types of things we associate with morality.
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We don't think about the most important thing we put in our bodies, which is the pounds
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and pounds of food every day and what we drink.
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So I think there's a lot to be said there.
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And if you start to look into, we're very good at looking at the corruption of industries,
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whether it's a sex trafficking industry or all kinds of industries that Christians get
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really jacked up about, tobacco industry, pornography industry.
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But when you start looking at the food industry, it is equally corrupt.
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And also medications, the pharmaceutical industry, extremely corrupt and very tied in with captured
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regulators in government who have been lobbied.
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I mean, the pharmaceutical industry, no one compares with their lobbying efforts in Washington.
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They outpace them by far.
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So they are getting sweetheart deals out of government regulators.
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That has an impact on what you're putting in your precious children's mouths and what's
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helping them to grow.
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And when I think about how much food affects your mental state and your ability to focus,
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your ability to be joyful, our mental health and also our concentration, our ability to
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educate our children, our ability for them to feel peace and stillness and joy.
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This is serious.
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And you look at the autism community, we'll talk about how dramatically diet affects their
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children.
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Absolutely.
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It does.
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Really, it's amazing.
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It's the most important biological influence on us every day.
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So true.
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Katie, I wanted to respond with that too.
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I started down, you can start down the wormhole of these food documentaries.
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And I think the Food Inc. was the first one that I watched.
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And then once you start, it's like, oh, now I need to see all these other ones.
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And you brought up something that as a parent, I had a younger child, he's 14 now.
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But when we had him, we were really cognizant of this.
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Suddenly there was this explosion of early onset diabetes in these young kids.
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And I guess the food pyramid always looked a little wonky to me.
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Can you speak a little bit to that?
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How do they come up with this, what appears to be a food pyramid that should be a recommendation
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for our diet, but seems to be all just confused, I guess is the word.
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Yeah.
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How it comes up is the agricultural lobby.
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So there are reasons why all of our crops are subsidized.
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Sugar is subsidized dramatically in our country.
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And it's probably the thing that's killing us the most is processed and refined wheat
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and sugar.
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And it's not just that, but the pesticides that are put on our food, not just to help
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them grow and to keep weeds away, but actually before wheat is harvested, it's not just
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wheat, but very much wheat, before it's harvested, right before it's put into the mills and
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ground into flour that goes into all our food, it's drenched in glyphosate, which is bound
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up so that it can dry out better.
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It's a good drying agent.
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So we're not just, we're drowning in glyphosate.
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I remember I got my own glyphosate level tested and it was literally off the chart.
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The chart did not measure how much glyphosate was in me.
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And I eat like a normal, throughout my life, I ate like a normal diet.
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I was not an organic food eater until a few years ago, but I ate a normal standard American
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diet, which is killing all of us.
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And glyphosate is an obesogen.
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It causes obesity.
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It causes diabetes and it causes cancer.
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And so this is all our food, if it's not organic, is riddled with glyphosate.
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Many European countries have banned these pesticides.
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They banned a number of additives that are in American foods that are not in their foods.
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I was just in Europe recently and I went around obsessively looking at the ingredients on
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packaged food everywhere I saw it.
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And I would not see the seed oils.
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I would not see the food, yellow number five, red dye number.
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I would not see those things that are riddled in the foods that go into our children everywhere
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here.
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It's really different.
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A box of Froot Loops in Canada is totally different ingredients than the box of Froot
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Loops here in America.
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It's sick.
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These companies can do it differently, but it's cheaper and easier for them to do it
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the way they're doing it.
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And because of the well-funded lobby coming out of the big ag interest, special interest,
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the FDA is captured, USDA is captured, and EPA are captured.
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Katie, that's wildly interesting.
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Just a quick follow up to that.
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So why is there such a difference between Europe and America and Canada and America?
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Like you mentioned the lobby, you mentioned a lot of money, and I'm sure that's a big,
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big part of it.
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But is it because we're such a big country versus a smaller country in Europe?
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Is it regulations?
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Yeah.
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What is it that's making the big difference?
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So anytime someone comes into Congress and wants to pass a bill that would regulate food
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in any way, whether it's requiring labels for GMO, whether it's banning certain additives
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that have been proven to cause cancer or proven to be neurotoxins, whenever that happens,
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when a bill comes in, and I've worked in Congress for 15 years, when a bill comes into Congress,
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it is crushed by the agricultural lobby.
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It is crushed.
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If you want to try to regulate drugs or pharmaceuticals, the pharma lobbyists, there's one pharma lobbyist
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for, I think it's something like five pharma lobbyists for every member of Congress.
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So then they write all the big checks.
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I can't emphasize enough how much special interest money drives our politics.
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Even the most virtuous minded politician has to get elected.
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That's a very expensive proposition.
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So they take money from interests and from companies and from PACs and from bundlers.
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And then those people get, it's not that a corrupt, not every politician is intentionally
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corrupt.
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Right.
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But when someone writes you a big check, they get their phone calls answered and they get
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the meeting.
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And then they come in with their one sided presentation and the academic papers that
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they've paid for to deliver the results they want are put in front of these non-expert
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politicians who are not epidemiologists or not scientists and can't see how flawed and
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ridiculous their studies are.
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And they make a very compelling case.
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That case is not rebutted by anyone else in the room.
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And so then they just walk away.
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It takes a lot of expertise to beat back these interests.
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It's really hard.
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And in Europe and other countries, this type of lobbying, these types of special interests
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are not nearly as powerful.
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That makes a lot of sense.
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You have an extensive background working in policy advisory, including with senators and
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then ultimately President Trump in the White House.
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So what brought you there?
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What were the steps?
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How did you get there?
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And then once there, you ended up becoming a homeopath and looking for more holistic
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health care.
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Tell me a little bit about your journey.
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Yeah.
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So I was, I kind of hated government.
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I thought it wasn't really a force for good, but I worked and I lived on Capitol Hill and
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I went to church on Capitol Hill and I used to see these little Hill staffers walking
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around.
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I thought they were dum-dums and maybe they were.
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And so, but at one point the Congress had just changed hands, the Senate had just changed
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hands and there was a new chairman that needed to staff up on the committee that overseed
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health, that oversaw health.
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And a friend of mine at church said, Hey, you know, they're looking for this type of
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person and little Republican children don't grow up wanting to be public health experts.
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So there just aren't any public health experts that could be, you know, a staffer for public
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health policy on the committee.
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And so I interviewed for the job.
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I remember at the time, like, I don't even know if I want this job, the, the, the, my
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manager who became my manager, wonderful man.
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It was interviewing me.
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He's like, do you even want this job?
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I'm like, I don't know.
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But I think it was God, you know, I got hired for kind of a job I wasn't really qualified
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for and found that I loved it.
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And I worked on that committee for a few years and then for a number of different other committees
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and different senators over the years.
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And then from one Senate office, my friend who was the chief of staff left that office
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to go work on Donald Trump's campaign.
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And I could see that this guy was winning all the primaries.
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He was resonating with the people he was going to win and he was going to be the nominee
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for the Republican Party.
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And I thought, if we don't help him, like bad people are going to help him.
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So, so my friend was the next time I saw my friend, he went and worked for the campaign.
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He was running policy for them.
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And the next time I saw him six weeks later, he was like bedraggled and, you know, bleary
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eyed, chain smoking.
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He hadn't sleep deprived.
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And I'm like, oh, you need some help.
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Can I help you?
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I mean, I can help you with health care, abortion stuff.
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Like what do you need?
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And so that I started volunteering.
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And then I worked on the platform committee that year in 2016 and went into the campaign
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in New York for a few months until the election from there into the transition team and from
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there into the White House.
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That's a very interesting journey.
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And the one that I don't, you know, I like how you said, do I want to do this?
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I think so many get into these things and they're like, do I really, do I really want
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to do this?
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I cannot make a difference.
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It's, it's, it's hard.
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I wanted to transition a little bit and talk to you about your passion with the healthcare
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alliance ministries.
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What do you see as the primary benefit of leaving your traditional insurance company
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in favor of these types of ministries?
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Yeah, well, I think perhaps the most important reason is that in a number of states across
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the country, unfortunately, state laws have mandated that all insurance policies have
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to cover abortion and they have to cover transgender surgeries for children and other procedures
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or so-called therapies that violate our Christian conscience.
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And so Christians will have a very difficult time, if not an impossible time, finding a
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healthcare solution in those states that doesn't violate their conscience.
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And so healthcare sharing ministries, perhaps the most important reason to join them is
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that, you know, it's the only a hundred percent pro-life solution out there for financing
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your healthcare bills.
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And so that, that's one reason.
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I think another reason is that, you know, I've worked in health policy a long time and
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it is a bureaucratic, cold, money-driven, corrupt industry.
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And it's, it's driven by the healthcare industry's interests.
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They put, you know, politics and money before people and patients and, and it's really disgusting.
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And this is the most important service that we will consume in our lives.
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It is life and death.
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It is the time when you don't want disgusting, corrupt influences coming between you and
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your doctor at the most vulnerable time of your life and the scariest time of your life
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or your children, your family's life.
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And that is a time when we need Jesus and we need the body of Christ around us.
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And that is what healthcare sharing ministries are.
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And they will not just, you know, share your medical bills.
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They will pray for you.
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They will send you notes.
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There's one healthcare sharing ministry that sends a care package to every family that
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experiences a miscarriage.
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There's another healthcare sharing ministry that their staff get on a plane and fly to
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a funeral when one of their members passes away and gives a check to help cover funeral
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expenses.
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These are communities of the body of Christ.
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This is how healthcare should be done.
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I also think that there's an increasing movement among healthcare sharing ministries to really
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explore how to bring in natural treatments, whether it's naturopathic doctors like me
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or homeopathy or acupuncture and other types of modalities that increasingly in the post-COVID
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era we're starting to see more and more people drawn to as the trust in the, you know, white
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coat medical enterprise has really been at an all-time low.
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Well, Katie, what you're describing, you know, we do from a totally different angle at Timothy
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Plan, but we have, we're a pro-life, pro-family mutual fund and ETF company.
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And ultimately, you know, when we first set out, we were most keen on how can we not invest
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in any company that we profiting from or promoting abortion.
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And immediately, like you just described, that ruled out all these insurance companies.
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We can't invest in a single one of them because they allow for women to, you know, to have
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abortions, much like companies that fund Planned Parenthood, among other things.
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So yes, it's a big challenge.
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Can something like this work in a corporate level versus just like an individual level,
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these healthcare sharing stuff?
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Yeah, there are religious employers that our healthcare sharing ministries work with.
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So there are lots of religious employers in these states that have a conscience objection
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to subsidizing insurance policies for their people for these reasons I've laid out.
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And also, you know, there's one healthcare sharing ministry that actually went to the Vatican and got a memo written by moral theologians there describing how why no Catholic of good conscience can participate in the American insurance industry, not because of the pro-life problems,
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those are obvious, but because of the financial corruption and the misaligned incentives in that industry.
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So yeah, I mean, what you're dealing with is absolutely real.
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And what corporations have to deal with as employers of good conscience, it's really hard.
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But healthcare sharing ministries will work with religious employers who wish to subsidize
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memberships in healthcare sharing ministries for their employees.
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So that is a possibility.
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It's not a group health plan.
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It's not insurance.
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And it's not underwritten at the group level.
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This is not insurance.
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It's really just providing a subsidy to each individual employee who wants to sign up for
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a healthcare sharing ministry.
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You know, insurance premium pooling.
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This is something that many of those that are investing with with Timothy Plan or those
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like us, biblically responsible investing, they would want to know about this.
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But many do not.
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Can you please explain what is happening when you are paying into your premium and you've
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got that percentage of people that are under a poverty line and there are things that are
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being covered like gender reaffirming care or, you know, drugs that are being used for,
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you know, trans ideologies and then also abortion.
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Can you please explain to our audience how that works and what they may not know?
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Absolutely.
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So there's two kinds of insurance.
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There's group insurance and then there's individual insurance.
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Group insurance.
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There's two types of those types.
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So you can have an employer funds its own insurance, its own group plan, or you can
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have an employer that that basically joins with a bunch of other employers into one giant
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pool in the small group market.
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And in any time you have a pooling of premiums, so every time when you write your premium
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check or your employer writes it for you, they're paying an insurance company.
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That insurance company co-mingles all those funds.
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And so even if your employer, let's say that your state allows your health plan not to
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cover abortion, when you pay into that pool, you're subsidizing the health plans of other
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employers that do cover abortion.
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When you're in the individual market, like the ACA marketplace in your state, that is
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a subsidized abortion pool.
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So every time that you pay into that that insurance pool, they're paying for gender
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treatments, they're paying for abortion and abortion related treatments.
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Now the ACA actually requires that funds be segregated so that you have individuals have
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to buy separate abortion coverage for $2 or whatever it is, so that that pooling doesn't
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happen.
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When I was in the Trump White House, we implemented a regulation to enforce that rule, to enforce
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the law that required that those segregation of funds.
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The Biden administration immediately undid that rule.
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So those funds are co-mingled right now, the abortion coverage that is going on in the
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ACA plans.
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That's anyone who's buying an individual plan on the marketplace.
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It's incredible to think how far we have come in just a few short years where abortion was
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safe, legal, rare on one side of the aisle, on the other side of the aisle.
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We were very pro-life and now we're to the point where safe, legal, and rare is long
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gone.
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Oh yes.
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And speaking of getting a little political here, we're in the season and here in Florida,
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we have an initiative on our ballots.
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It's an amendment that we're fighting to keep what our governor has passed as a six-week
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period where no abortion can occur after that.
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It's hotly contested in this state.
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And now we're seeing also companies that are getting into the world of offering abortifacients
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by mail, companies that you would never suspect that would have done this, are now starting
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to lean into this a little bit.
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What would you recommend we can do to educate ourselves on these kinds of things and how
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can we push back on some of this?
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Yeah.
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I mean, the vast majority of abortions right now are by mail order pills.
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They're being done by medication.
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And that's happened primarily because of great states like Florida that have shut down the
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in-person clinics for Planned Parenthood and others.
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But we just saw some new abortion statistics come out that abortions have actually increased
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by 20% in this past year.
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That's crazy.
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Yeah.
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So we thought that I think the pro-life community wasn't prepared for a post-Roe environment
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where now we're fighting these battles in skirmishes in every community and every state
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across the country and we're losing a lot of them.
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We're winning some.
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I mean, Florida is an example.
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I'm very hopeful that this terrible referendum will be beaten back in Florida.
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Is the referendum to protect the law or is it to undermine the law?
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Yeah.
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I don't know on the law.
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So yeah, it's a...
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Oh, okay.
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It's a weak word.
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Yeah.
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Weak word.
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Right.
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Okay.
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So we're seeing these referenda all over the country and I'm very nervous about them.
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Yes.
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Obviously, we thought Ohio was safe, right?
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Right.
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But it's not.
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Kansas, not.
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So on the other hand, I think we need to acknowledge and meet people where they are.
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We're seeing that we have not won the argument on life begins at conception all the way,
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all nine months of protection for the unborn.
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However, you can easily say to somebody that we may not agree on when life begins or about
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all abortion policy, but we wanna have some reasonable allowance for our legislature to
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legislate on this.
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So we don't want to tie the hands of future legislatures to provide reasonable regulations
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for the safety of women in the future by putting this into our constitution, for instance.
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And so there are some ad campaigns that I've seen that I think could be helpful if they
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were funded properly, but I think it's gonna be a dogfight.
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And one thing I would say is we're gonna lose in some places and maybe in many places.
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It doesn't mean that we've lost forever.
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I mean, Roe was bad, right?
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It took two generations, but we won the hearts and minds back.
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We won the argument.
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It feels like we're dying now in the field ideas in the arena, but we won this argument.
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A few years ago, we had won it and they were running from the truth.
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The other side was running and they were on the defense.
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Things do not always stay the same.
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Our Lord is in the long game and we don't need to get despairing and fearful that we've
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lost forever.
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But in the meantime, little babies are dying.
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Women are feeling desperate and they have no other choices.
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And so we definitely need to be reaching out to our neighbors and showing the value of
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the gospel that we actually are not insulated in our little Christian enclaves and we never
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come out of them.
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I think it's tempting to do that, obviously, in a time when we feel such persecution and
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censorship and cancellation, but we've got to continue to know our neighbors.
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We have to know our kids' schools and the other parents of our kids' friends and just
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show what life as a pro-life Christian really looks like.
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We can go back to the Europe argument and we appear to be one of the, at least what
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appears to come from one side is the most liberal use of abortion up until birth, even
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or whatever they may think.
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And then you look over across the sea and Europe has 12 weeks, maybe 15 weeks and here
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we are.
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We're getting one side pushing it all the way to birth.
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And then also going over to Europe and looking at, especially in England, which just came
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out and they're saying, no, children should not transition genders and you need to wait
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till you're an adult.
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And over here, we're on the opposite end again.
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It seems that, yes, we should not give up the fight because sane people are on our side.
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Yeah.
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And I think legislators, when they're given the chance over time to figure this out, they
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arrive at positions that I would argue are cognitively dissonant, right?
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It's either a baby at three months, the same as it's a baby at nine months, but whatever.
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But they land at these sort of compromised positions that are pretty widely held consensus
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in their populations.
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The problem here in America is that it was not allowed to go to legislators.
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It was done by a court.
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Now we're in the legislative battles of our lives.
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I don't think that, and no bill lasts forever.
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And so you can always fight to change a law, even if it gets passed in a way you don't
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like now.
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The legislative process is what we want, but we're going to have to invest those resources.
451
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Well, that leads into another question I have for you.
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So in November, if Trump is back in the White House, are you going to be joining him or
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is that something or have you moved beyond that?
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Because I know that I've heard interviews where you did say that, you know, you're enjoying
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the time with your family now.
456
00:27:10,800 --> 00:27:13,880
Yeah, I love the life I have right now.
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The president, I'm sure, will have lots of great people.
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I always stand ready to answer questions or offer help however he needs.
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But yeah, I love my life.
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I like, I think my husband would divorce me.
461
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A bit stressful on that end, the White House.
462
00:27:31,040 --> 00:27:32,040
Yeah.
463
00:27:32,040 --> 00:27:38,680
Well, Katie, as we close, where can people find more information about you, about the
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healthcare sharing alliances and all that you're involved in?
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Yeah.
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So you can find me on Twitter.
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I'm at Katie Tolento or LinkedIn at Katie Tolento.
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And of course, you can reach out about healthcare sharing ministries at our website at AHCSM.org.
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That's Alliance of Healthcare Sharing Ministries.org AHCSM.org.
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Katie, what is, we're just one last closing question.
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What is your greatest hope and your prayer right now for our country going forward and
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how policy is going to evolve?
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What's your hope?
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I think my greatest hope right now is that in Jesus, we start to recognize that we aligned
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with our creator whose image we're made in, we recognize that we are responsible for our
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health, that we, our spirit, our mind, our choices, our agency, our will, our reason,
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the logos in whose image we are created lives in us, that we are responsible for our health,
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our weight, our disease state.
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Everything about our health is much more spiritual than it is physical.
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And we don't have to outsource all our health decisions and autonomy to white coats or experts
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that we're in charge of it.
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I love it.
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Thank you, Katie, so much for joining us.
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We really appreciate it.
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We really appreciate it.
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Thank you so much for joining us on Invested With Purpose, making the most out of our time,
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talent and treasure.
On Invested with Purpose today: Austin Thoms, a financial advisor and host of the podcast '2300 Reasons Why,' shares his journey from being a basketball coach to entering the financial services industry. He discovered the significance of money, wealth, and possessions in the Bible and felt called to help bridge the gap between faith and finances. Austin emphasizes the importance of focusing on personal character and the spiritual process rather than just the results when it comes to stewardship.