Oregon’s 17% Health Insurance Hike & Britain’s Collapse | Show 16-25
When Governments Fail Their People — Oregon’s Health Care Crisis and Britain’s Collapse
About this episode
The cost to stay healthy in Oregon is about to climb again — and across the Atlantic, a country that gave us free speech and common law is unraveling in real time. This week, two conversations about what happens when government systems reach their breaking point.
First, Oregon regulators just confirmed that health insurers want a 17% average rate increase for 2027 — on top of last year’s 11% jump. Worse, two of the state’s biggest carriers, Providence and PacificSource, are leaving the individual market entirely, forcing more than 50,000 Oregonians to scramble for new coverage. Independent health insurance broker Lisa Lettenmaier of Health Source NW returns to break down what is actually driving the numbers: a shrinking pool of carriers, the expiration of pandemic-era subsidies, and a Medicare/Medicaid system now covering 41% of the population. She and Mark dig into the real engine of medical inflation — the enormous markup providers can charge once the government, not the consumer, is setting the price.
Then the show turns to the United Kingdom. Heritage Foundation senior fellow Simon Hankinson — who spent his formative years in Britain and earned two of his degrees there — joins Mark to make sense of a country in crisis: the attempted beheading in Belfast that touched off nights of rioting, the collapse of immigration enforcement, the two-tier justice system, and a stunning new privately funded report estimating that grooming gangs abused hundreds of thousands of British girls while authorities looked away. The segment closes on the question that should matter most to American listeners: is the U.S. experience different enough to avoid the same fate — or are we just a few years behind?
In this episode
The 17% Rate Shock — Why Oregon’s Market Is Shrinking
Mark’s free-market opener, then Lisa Lettenmaier on the provisional 2027 rate filings, the carriers leaving the individual market, and why fewer insurers means higher prices for everyone who stays.
Customer or Liability? Nationalized Medicine’s Endgame
From Canada’s euthanasia expansion to England’s canceled surgeries — what happens when government, not the patient, decides what your health is worth. Plus the demographic squeeze of an aging population.
The Government Markup — Where Your Premiums Really Go
The expired pandemic subsidies, the “welfare for the wealthy” problem, and a drug test that costs $20 cash but $250 billed to the Oregon Health Plan. Why government pricing fuels medical inflation.
Belfast and Britain’s Two-Tier Justice
Simon Hankinson on the Belfast knife attack that sparked days of rioting, the killing of Henry Nowak, and a justice system that critics say pulls its punches based on the race of the accused.
Replacement by the Numbers — and the Media Playbook
The demographic math behind Britain’s transformation, why Reform UK surged in the local elections, and how the press reframes inconvenient stories — the “Republicans pounce” pattern of media bias.
The Grooming Gang Report — and a Warning for America
The 219-page Rupert Lowe inquiry, the institutional failures it documents, the new push to restrict free speech and social media — and whether America is far enough behind Britain to change course.
Links & resources mentioned
Lisa Lettenmaier & Health Source NW
- Health Source NW (independent insurance & Medicare brokerage — Oregon & SW Washington, no cost to clients)
Oregon’s 2027 Health Insurance Rates
- Oregon Division of Financial Regulation — 2027 requested health rates (official rate filings & public comment; meeting July 13)
- Oregon Releases Provisional 2027 Health Insurance Prices, and They’re Not Pretty (Willamette Week, June 8, 2026)
- Oregon’s health insurance market is shrinking — what Providence’s exit means for you (KGW Straight Talk)
- Providence to end most of its health insurance business (OPB, May 20, 2026)
Medicaid, Subsidies & Government Pricing
- Oregon lawmakers confront ballooning Medicaid costs (OregonLive, Jan 14, 2026)
- Health insurance for many Oregonians could get a lot more expensive next year (OregonLive, June 10, 2026)
- DOJ sues New York over $10 billion Medicaid home care program (Just the News, June 16, 2026)
Simon Hankinson & The Heritage Foundation
- Simon Hankinson (Senior Research Fellow, Border Security & Immigration Center)
- Henry Nowak’s Killing Exposes Britain’s Dangerous Two-Tier Justice System (Heritage Foundation, June 8, 2026)
- Britain’s 7-Step Program to Ruin (Daily Signal, May 27, 2026)
The UK Immigration Crisis
- Stabbing attack in Belfast sparks anti-immigration unrest (CBS News, June 2026)
- Report Claims Grooming Gangs Operated in 149 Areas Across Britain (The European Conservative, June 17, 2026)
- The Brits Should Declare Their Independence, Too (American Thinker, June 17, 2026)
About the guests
Lisa Lettenmaier is an independent health insurance broker serving Oregon and Southwest Washington, and the owner of Health Source NW — an agency that helps individuals, families, and seniors navigate individual health insurance and Medicare plans at no additional cost to the client. She is a recurring I Spy Radio guest and the show’s go-to voice for common-sense answers on Oregon’s health care system.
Simon Hankinson is a Senior Research Fellow in the Border Security and Immigration Center at The Heritage Foundation in Washington, D.C. He holds a master’s in modern history from St. Andrews, a law degree from the College of Law in London, and a master’s in international security affairs from the National Defense University — and spent his formative years in the United Kingdom, giving him a firsthand vantage on the country’s transformation.
Full transcript ▸
Transcript is being prepared and will be posted shortly. Auto-generated from the episode audio, then cleaned for names, agencies, figures, and natural paragraph breaks.
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