THE HEALTHCARE, HOUSING, AND OPPORTUNITY ACT (HHO ACT)

​Statement of Purpose: Findings and Declaration of Policy 📜

​The Congress finds that the necessity for two incomes to cover three non-discretionary costs (Healthcare, Housing, and Education) has destabilized the family unit and inhibited social mobility. The purpose of this Act is to reduce the economic necessity of the two-income household and make it economically probable for the average family to thrive on a single income, thereby strengthening the family unit and society at large.

​FINDINGS.—Congress finds that housing affordability, healthcare costs, and student debt are fundamentally impaired by local monopolies, regulatory barriers, and the suppression of market competition, which substantially burdens interstate commerce.

​POLICY.—It is the declared policy of this Act to adhere to the principle that competition forces prices down and increases the quality of the product. All related federal and local laws must be reformed to maximize market competition and guarantee affordable, high-quality alternatives for citizens.

​I. Healthcare (Titles I, II, & III): Deflating Medical Costs ⚕️

​The goal is to sever the link between employment and healthcare while increasing market competition to drive costs down.

​TITLE I: THE TAX SHIFT

​SEC. 101. ESTABLISHMENT OF THE NON-TAXABLE HEALTH STIPEND.

​(a) FINDINGS.—Congress finds that the current exclusion of employer-sponsored health insurance from income and payroll taxation creates market distortions, impedes consumer choice, and disproportionately benefits high-income earners.

​(b) ESTABLISHMENT.—The value of any amount formerly paid or contributed by an employer toward an employee's accident or health insurance plan (known hereafter as the "Non-Taxable Health Stipend") shall be paid directly to the employee as cash compensation.

​(c) EMPLOYER DEDUCTIBILITY.—For the purposes of the Internal Revenue Code of 1986, the payment of the Non-Taxable Health Stipend by an employer to an employee shall remain fully deductible to the employer as a labor and compensation expense.

​SEC. 102. FEDERAL INCOME AND PAYROLL TAX TREATMENT.

​(a) EXCLUSION FROM FEDERAL INCOME TAX.—Notwithstanding any other provision of law, the Non-Taxable Health Stipend shall be excluded from the gross income of the employee and shall not be subject to Federal income taxation.

​(b) INCLUSION IN PAYROLL TAX BASE.—Notwithstanding subsection (a), the full value of the Non-Taxable Health Stipend shall be subject to taxes imposed under the Federal Insurance Contributions Act (FICA) (Chapter 21 of the Internal Revenue Code of 1986), for both the employee and the employer. The resulting FICA revenue shall be dedicated to the Social Security and Medicare Trust Funds, as specified in Title II of this Act.

​SEC. 103. STATE AND LOCAL TAX PROTECTION.

​(a) EXEMPTION FROM STATE AND LOCAL INCOME TAXES.—The Non-Taxable Health Stipend, by its nature as a federally mandated transfer intended to secure healthcare access, shall be exempt from and shall not be subject to any income tax, payroll tax, corporate excise tax, or similar levy imposed by any State, municipality, or other political subdivision thereof.

​(b) PURPOSE OF EXEMPTION.—The purpose of this exemption is to ensure the maximum value of the Non-Taxable Health Stipend is retained by the employee to promote the availability of adequate financial resources for health insurance and healthcare costs.

​Title II & III: Competition Mandates (Summary):

​Abolishes Certificate of Need (CON) laws to allow new hospitals and services to enter the market without bureaucratic permission.

​Mandates real-time, all-inclusive price transparency for all medical services.

​Requires interstate licensure recognition for medical professionals, enabling competition across state lines.

​II. Medicare Solvency (Title IV): Reducing Generational Burden 👵

​The goal is to provide immediate, mandatory savings for the older generation, reducing their potential financial dependence on the working family.

​Title IV: Part B Premium Elimination.

​The monthly Medicare Part B premium is eliminated for all beneficiaries, providing immediate annual savings.

​III. Housing (Title V): Restoring Affordability 🏡

​The goal is to unleash new, affordable supply and eliminate discretionary, anti-competitive zoning barriers that inflate costs, thereby maximizing competition and protecting the market entry of high-quality, code-compliant factory-built housing.

​Sec. 501: End Exclusionary Zoning (NIMBY).

​Abolishes single-family exclusive zoning near public transit and commercial centers.

​Mandates by-right construction of multi-family housing (up to 4 stories) in these areas.

​Sec. 502: Elimination of Discretionary NIMBY Review.

​Requires that all permits for conforming residential projects (including modular homes and site-built homes) be ministerial (automatic/by-right).

​Prohibits discretionary tools such as public hearings, public notice requirements, and the granting of veto power to any individual neighbor.

​Sec. 504: Manufactured and Modular Housing Equity and Inclusion.

​Prohibits outright bans on federally-certified manufactured homes (including single- and double-wide units) on permanent foundations.

​Eliminates aesthetic barriers by prohibiting minimum roof pitch requirements that exceed 4:12 for manufactured homes.

​Mandatory Real Property Conversion. Mandates a universal, statewide process to convert manufactured homes from personal property (chattel) to real property, making them eligible for conventional, long-term mortgage financing.

​IV. Education (Title VI): Slashing Student Debt and Investing in Trades 🎓

​The goal is to end the student debt crisis by forcing colleges to be financially accountable for student outcomes and by creating a national, high-demand pipeline for skilled trades workers.

​I. Institutional Accountability and Risk

​Sec. 601: Mandatory Outcome Accountability and Risk Sharing.

​Risk-Sharing Mandate. The degree-granting institution shall be held financially responsible for 50% of the principal balance of federal student loans if a graduate of a low-return program fails to achieve "Gainful Employment" within three years of graduation.

​Debt-to-Earnings Cap. Federal aid is stripped from programs that consistently force graduates into the risk-sharing pool. All programs must publicly report their Debt-to-Earnings Ratio.

​Sec. 602: Endowment Accountability Tax.

​Imposes an annual excise tax on the net value of private university endowments over $1 Billion, with all revenue dedicated to Pell Grants.

​Sec. 603: Accreditation Reform.

​Abolishes the monopoly of regional accreditors and mandates the recognition of competency-based accreditors, encouraging lower-cost educational alternatives.

​II. Skilled Trades Investment

​Sec. 604: National Trades and Certification Mandate.

​Mandatory Trades Funding. All community colleges and state university systems receiving federal funding shall be required to dedicate a minimum of 15% of all new federal grants and capital improvement funds toward skilled trades certification programs.

​Mandatory Enrollment Capacity. Institutions must maintain an enrollment capacity in these Nationally Certified Trades Programs equivalent to a minimum of 15% of its total undergraduate enrollment capacity.

​Uniform Certification Standard. Establishes a Federal Office of National Trades Standards (ONTS) to create Nationwide, portable certification standards for core skilled trades.

​Accelerated Programs. Certification programs must be designed for completion within one academic year.

Prepared by John Dady

citizensagainsttyranny.net

citizensagainsttyranny1776@gmail.com