"I'm optimistic that they're going to do it," North Dakota Insurance Commissioner Jon Godfread said on this episode of Plain Talk, referring to Congress approving an extension to enhanced subsidies for health insurance policies sold on the individual marketplace exchanges. "I'm hopeful that they do it because I think it's the it is the right thing to do."

The subsidies are central to the ongoing shutdown of the federal government, with Democrats refusing to reopen the government without a deal to extend them, and Republicans saying they'll only cut a deal like that once the government is open again.

Godfread, whose office approved new rates for the current open enrollment plan last week based on the assumption that the subsidies will be continued, has warned that without them millions of Americans, and tens of thousands of North Dakotans, would face dramatic cost increases. Despite his prediction, he does see the possibility where Congress doesn't renew them.

"There is certainly a scenario and a reality where neither side wins on this," he said. "I think both sides are so dug into that somebody has to lose, and nobody wants to lose."

Godfread says he's been working with North Dakota's federal delegation — Senators John Hoeven and Kevin Cramer, along with Rep. Julie Fedorchak — to get this point across. "The point, again, that I've made with our delegation is, guys, the consumers are the ones who are losing here."

But even given his support for extending the subsidies, Godfread warns that's not going to fix anything. "It's a $440 billion subsidy over the life of this. It's very, very expensive," he said, saying the real solution is addressing health care costs.

Godfread discussed different solutions to that, from increased price transparency to using regulatory authority to impose some price controls, but also said there's a point where the status quo is going to collapse and leave no choice but a complete take over.

"That's exactly what I've said to our to our healthcare providers, in those conversations, that guys, you are advocating for a Medicare for all system," Godfread said. "And I said, we're going to get to a point where nobody can afford this stuff. The only person that can bail it out is going to be the federal government and then we're going to have Medicare for all."

Also on this episode, co-host Chad Oban and I discussed the ongoing problems at the North Dakota Commerce Department, when the government shutdown will end, and the federal lawsuit filed by noted advocate for dishonesty Brandon Prichard.

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This has not been a good week for President Donald Trump and his MAGA movement. Elections in New York, New Jersey, Virginia, Georgia, California, and beyond seemed to see voters sending a message to Trump and his allies about the government shutdown and more.

"Well, the first thing I think the president came out and said, 'Oh, the only reason that this happened is I wasn't on the ballot,'" former Sen. Heidi Heitkamp said on this episode of Plain Talk reacting to the results. "President Trump was on the ballot in every one of those states and and the message was clear. We don't like the direction you're headed."

"The more they ignore this, the the bigger the peril is for 2026," she added.

Heitkamp argues that Republicans are tone deaf on issues like health care costs and SNAP benefits. "They want to double down on all the policies under the theory that those are working," she said, arguing that Trump, in particular, seems to have a disconnect with the electorate.

"He believes his own headlines," Heitkamp said. "He believes that, you know, that people are mean. I mean, he really believes that Americans are mean. And, you know, he's going with the theory, and part of this is the longtime demonization of people who are on food assistance on SNAP."

Democrats, meanwhile, seem to have found their message, Heitkamp said. It's not culture war issues. "It's called affordability, which I've been preaching for freaking ever," she said.

Also on this episode, co-host Chad Oban and I discuss a lawsuit from trollish political activist Brandon Prichard challenging a state law making it a misdemeanor to lie in political messaging, how Democrats can turn their victories this week unto success in next year's midterms, and respond to listener feedback.

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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"Imagine you're someone a family who is working a job or two or even three, and then all of a sudden, with a week before the end of the month, you learn that the money you had been counting on to purchase food for you and your family isn't going to be there on Saturday, November 1st," Karen Ehrens said on this episode of Plain Talk.

"Probably you have rent due or you're a senior on a fixed income scraping by till the end of the month, looking forward to when you might get some help so you can buy groceries," she continued. "And then you learn a few days before Saturday that that money won't be there."

"It's beyond frustrating," she added. It's also unprecedented. "It's a never-before-seen event that's coming," she said.

Ehrens is the U.S. Policy Manager for the Alliance to End Hunger, and she's referring to funding for food stamps running out due to the shutdown of the federal government. She is predicting a lot of suffering for vulnerable people. "Nationally, on average, four out of five households that receive SNAP benefits have a child, an elderly person, a person with disabilities," she said. "So, that's who gets SNAP first and foremost."

But it doesn't have to be like this, she argued. "They could end this with a decision to release funds that are in an account, and transfer some money over that way, put enough money out around $8 billion to keep SNAP going through the month of November."

This interview with Ehrens was recorded before Gov. Kelly Armstrong announced $1.5 million in state assistance to food banks and other programs to help mitigate the blow of halted funding, but she said that while it helps, it's nowhere near enough. "For every meal that's provided through the food bank network across the US, there are eight meals provided by SNAP. So, it's a big gap to fill."

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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During their regular session earlier this year, North Dakota lawmakers formed its own version of President Donald Trump's Department of Government Efficiency, or DOGE.

It's a task force, as opposed to a department, and state Auditor Josh Gallion, who is participating in the meetings, said they've been calling it TOGE to avoid confusion with the federal efforts. But it's been making good progress, including reviewing a big problem the state has when it comes to implementing policy.

Namely, that nobody bothers to define what the success of that policy might look like. "I think what we learned a lot was we don't have performance measures," Gallion said on this episode of Plain Talk. He pointed out that the state often creates things, like economic development programs aimed at creating jobs or drawing workers to the state, without any sort of a mechanism for measuring how many jobs were created, or how many workers were inspired to move here.

"Is the money that we're putting into these programs, are they achieving desirable results? You know, if we're going to put a million dollars into a workforce program, is it affecting change? Is it moving the needle? Are we bringing workforce in? And how do we calculate some of that?" he asked.

Gallion also addressed controversy over an audit of Stark County. The report from his office concluded that the county government was breaking state law capping general fund carry-over balances at no more than 75% of the previous year's revenues. That report also included a response from the county that said "we agree" with the finding, only the county says that Gallion's office added those words, and they didn't agree to it.

"We wanted them to state we agree or disagree," Gallion said. "That should be the beginning of every response." He also claimed that the change was made only after consultation with Stark County, though a quote from the county auditor indicated that she didn't expect her county's comments to be modified.

"I wrote our responses to the audit for Stark County and I don't think they should have changed them," Stark County Auditor/Treasurer Karen Richard told the Dickinson Press, "but I do appreciate them clarifying why they changed the language."

Also on this episode, co-host Chad Oban and I discuss the standoff between Gov. Kelly Armstrong, Senate Majority Leader David Hogue, and Senate Minority Leader Kathy Hogan over new appointments to the state Ethics Committee.

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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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.

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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.

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"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.

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