How it would work-
We stop sending your money to insurance companies and hospitals. We send it straight to YOU. Then we make the system actually compete for your cash.
1. Your boss doesn’t pick your insurance anymore.
They just give you the money they used to spend (about $8,000 if you’re single, $20,000+ for a family) as a monthly stipend, tax-free.
2. The government does the same.
Instead of paying insurance companies billions, they deposit $500 a month (single) or $1,200 (family) straight into your Health Savings Account. That’s your money, every month.
3. You now have $25,000–$35,000 a year in your pocket (boss money + government money).
You use it to buy whatever insurance you want — cheap high-deductible, fancy low-deductible, Christian co-op, whatever. Any leftover cash? You keep it.
4. You can buy insurance from any company in any state.
No more “sorry, we don’t sell in West Virginia.” Shop nationwide like you do for car insurance.
5. Hospitals have to charge everyone the same price.
No more secret deals where Big Insurance pays less and you pay double. One price for all — like a menu at a restaurant.
6. Drug prices get crushed.
Same rules as Trump did before: America pays the lowest price in the world, or we import from Canada. No more $600 EpiPens.
7. Insurance companies can’t jack up prices to game the system anymore.
We kill the stupid rule that forces them to spend 80–85% of your money. Now if they overcharge, they have to cut next year’s price — or you just walk away.
Result in 3 years:
• Average family premiums drop from $24,000 → $12,000–$15,000
• You pocket the difference
• No new taxes
• Same-day doctor visits
• Rural hospitals stay open
• Insurance companies finally have to beg for your business instead of the other way around