Your healthcare.
Guaranteed.
No networks. No denials. No coverage gaps. Essential care for every American — no matter your job, income, or health history.
What changes for you
The same doctors. The same hospitals. Just a simpler system that puts you first.
See any doctor, anywhere
No networks, no referrals. Any licensed provider in the country takes your coverage.
Coverage that follows you
Change jobs, start a business, retire early. Your coverage never lapses.
Mental health built in
Behavioral health, substance use treatment, and dental — not add-ons, not extras.
No surprise bills
Balance billing is illegal. You pay your co-pay. That's the full bill.
Your records follow you
Every provider is in-network — which means every provider can access your full medical history. No more repeating yourself, no more lost records, no more dangerous gaps between care teams.
What you pay is based on what you earn
Co-pays are income-based — lower for working families, higher for higher earners. And there's a hard annual cap: you will never pay more than 5% of your income in a year, no matter how sick you get or how much care you need.
| Income | Primary | Specialist | ER |
|---|---|---|---|
| Under $75k | $0 | $25 | $50 |
| $75k – $200k | $20 | $50 | $100 |
| $200k – $500k | $40 | $100 | $200 |
| Over $500k | $60 | $150 | $300 |
Preventive care and children's visits: always $0. Full schedule including imaging, labs, mental health, ambulance →
Co-pay per visit by income tier and service type. 5% AGI cap applies annually.
How it works
Contributions from workers, employers, and realigned federal programs flow into one fund — which pays providers directly.
Trust Fund
Phased in over 5 years
No overnight disruption. Your current coverage continues during the transition. If you're in active treatment, you keep your current providers for at least 12 months.
- Universal eligibility begins
- HTF established, MAC seated
- Fraud-tech and portal buildout
- Provider enrollment opens
- Employer MOE begins (5%)
- Mental health parity enforced
- Reform savings milestone 1
- State coordination offices open
- Dental & vision fully included
- Global hospital budgets begin
- Employer MOE rises to 6.25%
- CBO Year 3 program review
- Employer MOE at full 7.5%
- Private essential coverage winds down
- Full drug price controls active
- Reform savings milestone 2
- Private essential coverage fully phased out
- ERISA health benefit sunset
- All reform savings realized ($430B/yr)
- First 5-year GAO review
- Universal eligibility begins
- HTF established, MAC seated
- Fraud-tech and portal buildout
- Provider enrollment opens
- Employer MOE begins (5%)
- Mental health parity enforced
- Reform savings milestone 1
- State coordination offices open
- Dental & vision fully included
- Global hospital budgets begin
- Employer MOE rises to 6.25%
- CBO Year 3 program review
- Employer MOE at full 7.5%
- Private essential coverage winds down
- Full drug price controls active
- Reform savings milestone 2
- Private essential coverage fully phased out
- ERISA health benefit sunset
- All reform savings realized ($430B/yr)
- First 5-year GAO review
Make this happen.
This legislation is being written in the open — and it only moves forward if people demand it. Read the bill, shape it, and tell your representatives you want it passed.