As someone who's had way too many "Did he really just say that?" moments in life, I know more than a few people who wish this insurance plan actually existed.
It's important to keep in mind that this is satire. So it's sarcastic, but there are lots of grains of truth in here. This is not racist against white people (cause that's not really a thing), it's merely a comedic take on situations lots of black people and people of color encounter when talking to white people. Microaggressions (those unintentionally offensive things that minorities encounter in their daily life) are a very real thing and are important to acknowledge and understand. Finally, the last sketch (where the guys talk about "hoes") in this video will no doubt hit a few nerves, but I think it's a clever commentary on how many men respond to misogyny vs. racism. Uncomfortable and kinda offensive? Yes. But as they say, there's truth in every jest.