THE HEALTHY AMERICA CARE PLAN
The current American healthcare system is not complicated—it’s corrupt and cruel.
Americans are denied care every day because politicians protect corporate profits instead of human lives. The new Healthy Americans Care Plan (HACP) is what happens when someone inside the system decides that enough is enough.
The current American health care system is cruel by design. It bankrupts families, delays care, and quietly kills people—not because we lack money, technology, or knowledge, but because corporate insurance and pharmaceutical interests are allowed to write the rules. For decades, elected officials have promised reform while taking money from the very industries that profit when care is denied, delayed, or priced out of reach.
I am angry about that.
Patients are treated like line items, clinicians are forced to practice medicine through billing codes, and preventable suffering is accepted as the cost of doing business. The Healthy Americans Care Plan has been created because this system is not just broken—it is morally indefensible. This plan is a refusal to accept a system where profit comes before life, and a demand that health care finally work for the people it is supposed to serve.
THE PROBLEM
A Fragmented System That Fails Everyone
Today’s system spends nearly $5 trillion annually—more than any nation in history—yet:
100 million Americans struggle with medical debt
1 in 4 skip medications due to cost
Employers spend $1.3 trillion/year on health benefits
Medicaid forces people to stay poor to keep their insurance
Medicare Advantage drains taxpayer dollars and denies needed care
Hospitals inflate prices to survive the private insurance game
Administrative waste consumes nearly 30% of healthcare spending
The system is unfixable in its current form. It must be replaced with something simpler, fairer, and more efficient.
THE GOAL
Affordable, universal, portable health coverage with predictable costs and no deductibles — without raising taxes on working families.
Some people will call this an improved version of Medicare. Others will label it a “single-payer” system. But the Healthy Americans Care Plan is neither ideology nor theory — it’s a national, nonprofit insurance co-op that every American can choose to join. Everyone pays in, everyone is covered, and everyone plays by the same rules. People who are happy with private insurance can keep it, but for the first time there is a simple, affordable public option that actually competes. One plan, one card, predictable costs, and no games.
“It’s not ideology — it’s choice. A non-profit health insurance co-op anyone can join, with the freedom to keep private insurance if you want and a public option that actually works.”
Why hasn’t this been done already?
Not because it's impossible.
Not because the economics don’t work.
It’s because:
1. Private insurance lobbying is among the most powerful in the country.
AHIP, hospital associations, and pharmacy benefit managers (PBMs) write the bills. Simplifying health care means fewer middlemen, lower prices, less billing gamesmanship, and less political leverage for corporations and their lobbyists that currently shape policy behind closed doors.
2. Private insurers LOVE the confusion.
Confusion = profit. Insurance companies, pharmaceutical corporations, hospital systems, and their lobbyists, profit from complexity, confusion, and fragmentation. Real reform threatens those revenue streams.
3. Congress is scared to touch health care.
Many lawmakers worry that fixing health care will require political courage they’ve never been asked to show—standing up to donors, accepting short-term backlash, and telling the truth about a system that harms people every day. It’s easier to tweak around the edges, rename programs, or protect “choice” that only exists on paper than it is to confront a system built on profit over patients. Americans deserve representatives who are willing to fix what’s broken, not protect who profits.
3. Bureaucratic inertia.
The federal government is a giant ship that turns slowly. But it can turn when voters demand it to.
We are currently in a state of paralysis. Americans keep paying more. Care keeps getting delayed. Clinicians keep burning out. And Congress keeps promising reform while preserving a status quo that benefits the few at the expense of the many.
4. Political messaging fear:
“Government takeover of health care”
“Socialism”
“You’ll lose your doctor”
—all deception, but effective.
5. Lack of a simple, coherent proposal people can understand.
This is exactly why the Healthy American Care Plan can work. Health care does not have to be complicated.
HOW THIS CHANGES AMERICA
For workers
lower paycheck deductions
no job-tied insurance
no surprise bills
creates much-needed competition in the marketplace
For Seniors
real Medicare again
no MA fraud
simpler coverage
For employers
predictable costs
no private insurance chaos
For states
Medicaid relief
major budget savings
For hospitals
stable & predictable reimbursement
no insurance games
fewer denials
For the nation
healthier, freer, more productive population
lower national debt trajectory
fewer medical bankruptcies
unified public health system
THE BASIC STRUCTURE
Individuals pay income-based premiums
This brings in ~$785 billion per year, based on approximate premiums:
Young adults: $150/month
Adults 30–70: $250–$2,500/month depending on income
Seniors 70–85: $150/month
Children and 85+: free
This replaces today’s employer premiums, marketplace premiums, and out-of-pocket deductibles.
What Americans Pay TODAY*
Average family premium for employer-sponsored insurance: ~$23,968/year OR ~$2,000/month total
Average employee share: ~$6,575/year (~$550/month)
Many workers pay $800–$1,200/month when including dependent coverage or buying outside large employers
ACA marketplace premiums (before subsidies) often exceed $1,000/month for middle-aged adults
Deductibles: $3,000–$8,000
Networks: restricted
Surprise bills: common
Employer changes disrupt coverage
Medicaid requires severe poverty
Medicare Advantage denies care
Multiple systems, multiple cards
*KFF. (2023). Employer Health Benefits Survey.
https://www.kff.org/health-costs/report/2023-employer-health-benefits-survey/
Employer Role
Employers may:
Pay nothing (worker enrolls individually), OR
Contribute a small, predictable amount toward an employee’s pre-tax premium
Employers can save tens of thousands of dollars per employee annually and offer employees more take-home pay.
Small businesses become more competitive
vs. HACP
Income-based premiums:
$150–$250 for mostNo deductibles
No networks
$10 prescriptions
Can see ANY doctor
No job-tied insurance
Medicaid becomes a true safety net
Medicare is simplified
Medicare Advantage plans are eliminated
Everyone has ONE card
CORE PRINCIPLES
Choice: Everyone has the choice to enroll in HACP or keep their insurance through a private company.
Fairness: Same plan for everyone — including members of Congress and federal employees.
Affordability: Income-based premiums, no deductibles, low copays, free contraceptives and preventative care.
Simplicity: One national insurance card. Medicare Parts A/B/C/D are ELIMINATED. No networks.
Stability: Hospitals and clinicians paid fairly and predictably.
Equity: Medicaid maintains protected for those who truly need it.
Accessibility: All U.S. residents may enroll. Citizens, permanent residents, temporary residents, undocumented residents. No more insurance tied to employment or immigration status.
CORE PRINCIPLES
Benefits
Hospital care
Outpatient care
Mental & behavioral health
Dental care
Vision care
Substance-use treatment
Maternity & newborn care
Preventive care
Labs & imaging
Prescription drugs ($10 copay)
Free contraception
No surprise billing
Universal provider acceptance
Fixing What’s Broken and Strengthening What Works
Medicaid Reform
Medicaid becomes a focused safety net
Covers:
Disabled adults
Long-term care
People with no income
Serious medical complexity
States save $150–200B annually
Medicaid becomes stronger, more stable, and less stigmatizing
Prescription Reform
Negotiating power for drug prices
$10 copay per prescription
PBM middleman rebates eliminated
True cost transparency
Hospital & Clinician Payment Reform
Medicare base rates + 10-15%
Predictable, stable reimbursement
Administrative waste eliminated
Prior authorization minimized
Rural hospitals receive supplemental funding
Federal Employee Reform
FEHB ends
Federal employees enroll in HACP
Saves ~$50B/year
Restore the public trust as all federal employees will have the same benefits as everyone else
Where does this live?
The Healthy Americans Care Plan (HACP) would be administered within Heath and Human Services, by consolidating and modernizing existing functions, not inventing a brand-new bureaucracy.
CMS (Centers for Medicare & Medicaid Services) remains inside HHS
Medicare, Medicaid, and HACP are administered through one unified national insurance platform
ACA marketplace administration is eliminated
Medicare Advantage oversight disappears (because Medicare Advantage is eliminated)
FEHB administration disappears
So instead of adding an agency, we are:
collapsing 5–7 overlapping systems into one
dramatically reducing redundancy
This is bureaucratic simplification, not expansion.
Funding Framework (Summary)
Premium revenue: ~785B
Existing Medicare funding: ~1.0T
Reduced Medicaid spending: ~300–400B
ACA subsidies eliminated: ~100B
FEHB elimination: ~50B
Employer contributions: ~200–300B
Admin efficiency savings: ~400–600B
Total: ~3.0–3.3T available annually
Enough to fund a modern, efficient universal system.
About
She is a primary care clinician who has spent years working inside the American health care system, navigating insurance denials, cost barriers, and administrative complexity that routinely harm patients. The Healthy Americans Care Plan was developed directly from that lived experience—not as an ideological exercise, but as a practical solution to simplify care, eliminate waste, and ensure that health coverage is affordable, fair, and accessible to everyone.