Will cracking down on healthcare middlemen make your prescriptions more affordable?

In This Week’s Economy 188, economist Vance Ginn examines pharmacy benefit managers, the services they perform, and the incentives shaping America’s healthcare system.

The episode asks what happens to drug-price negotiations and benefit administration when policymakers restrict intermediaries, why a reform that helps one business may still raise costs for patients, and how competition and greater patient control could improve the system.

PBMs deserve scrutiny. Every proposed replacement does, too.

Before another mandate, ask: Who benefits? Who pays? Who gets to choose?

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Full episode show notes + newsletter subscription:
https://vanceginn.substack.com/p/b088f5ee-12b3-41c3-b728-39a49f510819

Research and policy guides:
https://vanceginn.com

Buying or selling a home can cost thousands before the moving truck arrives. What would greater competition mean for families?

In episode 222 of the Let People Prosper Show, economist Vance Ginn welcomes Jack Ryan, former Goldman Sachs partner, REX co-founder, and co-author of Bringing Adam Smith into the American Home with John Tamny.

We explore brokerage commissions, Jack’s experience challenging the traditional model, transparent pricing, housing affordability, and the potential for technology to reduce transaction costs. We also consider how moving costs affect opportunity and why homeownership should be a choice.

Jack presents his criticisms of industry practices; REX did not prevail on its antitrust claims against Zillow and NAR.

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Show notes and newsletter subscription:
https://vanceginn.substack.com/p/654eefd1-8e28-4cd3-9728-834cabe3f584

Research and policy guides:
https://vanceginn.com

God bless you, and let people prosper!

Why fiscal restraint, free markets, and innovation matter for America’s prosperity.

Grocery bills, property taxes, and shrinking purchasing power are putting pressure on families. Policymakers keep promising relief—but are their proposals addressing the underlying costs?

In episode 187 of This Week’s Economy, I explain how inflation, government ownership in private businesses, property taxes, Texas employment trends, and artificial intelligence connect to affordability.

The path forward requires fiscal restraint, sound money, stronger property rights, competition, and room to innovate.

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Full show notes:

https://vanceginn.substack.com/p/d5903c04-5a3f-4c6b-9dee-7a4276a74788

More research and policy guides:

https://vanceginn.com