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Capitol Building

Put Patients
FIRST​​

Our plan- The American Health Freedom Act-keeps every popular protection of the ACA.

The reforms we propose will save trillions of dollars while improving care. 
 

American Healthcare is a

$7 Trillion

A Year Tragedy

 

The ACA is unsustainable and unworkable for American families.  

 

The Affordable Care Act (ACA) was sold as a consumer-driven marketplace. Instead, it supercharged a cartel of insurers, hospital chains, and middlemen who now extract $1.95 trillion annually from American families and businesses - while delivering worsening outcomes every year. 

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The Facts: 

  • Workers have limited plans chosen by their employer.

  • Insurers receive $400 billion in direct federal subsidies (Obamacare Subsidies) and another $310 billion in tax breaks - paid before you even see a bill.

  • Hospitals charge private insurance 243 % of Medicare rates for the same procedure..

  • Premiums rise 8–12 % every year because the Medical Loss Ratio (MLR) incentivizes insurers to look the other way as costs of care increase.

  • 24 million people on ACA exchanges are shielded from price hikes by subsidies - so insurers have zero incentive to lower gross premiums.

 

Result: A family pays $24,300/year for coverage with a $9,000 deductible.

That’s $2,000/month for the privilege of still going bankrupt if you get sick. 

 

This isn’t a free market. It’s a government-backed tragedy. 

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How to Fix It

1. Employer Stipends Replace HR-Controlled Plans 

Problem: Your boss picks your insurance. You’re stuck.

Solution: Employers deposit their current premium spend — $8,000 single / $20,000 family average — as a monthly, tax-free stipend directly to you. You become the customer. HR is freed. Portability is automatic.

2. Universal HSA Deposits Replace Subsidies to Insurers

Problem: $400 billion in federal subsidies go straight to insurance companies.
 
Solution: Every American under 65 gets $500/month single or $1,200/month family deposited into a personal Health Savings Account. Total cost: $1.66 T — 100 % offset by ending advance payments, Medicare Advantage overpayments, PBM spread pricing, and 340B abuse. CBO scores it revenue-neutral with a $2–3 trillion surplus by year 10.

3. National Exchange: One Portal, All 50 States

Problem: State silos limit choice and inflate costs.
 
Solution: HealthcareFreedom.gov — a single, user-friendly portal offering every licensed plan nationwide. Zero-deductible, high-deductible, faith-based, direct primary care — all compete head-to-head. Unused HSA dollars roll over tax-free forever.

4. Interstate Commerce: Any Plan, Anywhere

5. All-Payer Rate Uniformity: One Price for All

6. Repeal the Medical Loss Ratio (MLR)

Problem: The 80/85 % rule forces premium hikes to match medical inflation.
 
Solution: Replace with transparent rate filings and mandatory price cuts if costs beat projections by >5 %. Insurers now compete to lower costs, not pass them through.
Problem: Private insurance pays 243 % of Medicare; rural hospitals get 89 %.
 
Solution: Hospitals charge 120 % of Medicare for the same service — to every payer. Rural hospitals gain 28–42 % revenue. Urban chains lose excess markups. Proof: Maryland — 45 years, zero rural closures, premiums 30–40 % below national average.
Problem: A Florida plan costing $189/month is illegal in California.
 
Solution: Any insurer licensed in one state can sell in all 50 — no redundant approvals. Risk pool expands to 200 million lives. Proof: Federal Employees Health Benefits (FEHB) — 2.1 % annual premium growth vs. 8 % national.

Financial Impact of Our Plan

Zero Net New Taxes

The $1.66 trillion for HSA deposits comes 100% from existing spending — ending $138B in ACA subsidies to insurers, $310B in employer tax breaks, and $180B in PBM waste. No new revenue required.

Taxpayers Save $2–3 Trillion by Year 10

Lower premiums = less subsidy need. The HSA deposit shrinks as competition drives costs down turning a $1.66T line item into a long-term budget win.

Patients save $16–20 Trillion Over 10 Years

CBO-style models project 30–50% premium cuts via competition, all-payer rates, and MLR repeal - delivering $1.6–2.0 trillion annual savings by 2035. That’s $5,000–$6,000 back per family every year.

Family Premiums Slashed in Half

Average employer family plan: $24,300 today → $12,000–$15,000 in 36 months. Proof: Utah voucher pilot (–14% Year 1), Maryland all-payer (–30–40%).

Employers Save $400 Billion/Year

No more 8–12% annual hikes. Corporate health spend locks or drops - freeing cash for wages, hiring, or dividends.

​Rural Hospitals Gain $50–$100 Billion

All-payer rates at 120% of Medicare = 28–42% revenue boost for critical access facilities.

Maryland example: zero closures in 45 years.

Taxpayers Win — Even the Top 1% Pay Fair Share

The $310B employer tax exclusion (60% to high earners) becomes universal HSA cash — progressive redistribution without a new tax.

​$200–$300 Billion Clawed Back from Hospital Overcharges

Private insurance pays 243% of Medicare today. Uniform 120% rate = $200B+ annual savings — paid to patients, not CEOs.

$8,000 Max Out-of-Pocket — Guaranteed

National reinsurance pool (funded by insurer profits) caps catastrophic risk at $8k/year. No more medical bankruptcy.

The Best Part: Every Dollar You Don’t Spend, You Keep

Every Dollar You Don’t Spend Grows in Your HSA or a Health Investment Account.

Buy a $6,000 plan with your $34,000 HSA + stipend? The remaining $28,000 stays in your personal Health Investment Account — tax-free, invested in low-cost index funds, and grows for future medical needs, emergencies, or retirement. Use it for cancer, long-term care, or cash out at 65 — your money, compounding forever.
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