THE HEALTHCARE MARKET LIBERATION, PLAN B REDUCTION, AND SOCIAL SECURITY INTEGRITY ACT

​SECTION 1: PURPOSE AND FINDINGS

This Act addresses the affordability crisis in American healthcare by shifting Employer-Sponsored Insurance (ESI) from a trapped corporate benefit to a portable, worker-owned asset. This Act mandates the liberation of the healthcare market to drive down costs, followed by the activation of worker stipends and the capture of FICA revenue to ensure the long-term solvency of Medicare and Social Security.

​SECTION 2: PHASE 1 – MARKET LIBERATION AND COST REDUCTION

The reforms listed below shall be fully implemented within an 18-month period following enactment to drive down the baseline cost of healthcare services:

(a) Real-Time Cash Price Mandate: All hospitals, clinics, and testing facilities must publicly post and provide maximum cash prices for all services in an easily accessible format.

(b) Group of One Mandate: Every individual and 1099 worker is legally classified as a "Group of One," granting them the right to purchase health insurance at large-corporate group rates.

(c) Purchase Across State Lines: Insurance providers may offer plans across state lines; no state shall prohibit a citizen from purchasing a plan from another state.

(d) CON Repeal: All states shall repeal Certificate of Need (CON) laws, regulations, and programs.

(e) Provider Empowerment: LPNs/RNs may prescribe maintenance drugs; Chiropractic care must be covered at primary care tiers with no gatekeeper referrals.

​SECTION 3: PHASE 2 – MANDATORY ESI CONVERSION AND STIPEND ACTIVATION

Upon the successful implementation and certification of Phase 1 reforms within the 18-month period, the following shall be triggered:

(a) The Conversion: All funds previously allocated by employers for healthcare plans shall be converted into a direct Health Insurance Stipend paid to the worker.

(b) The FICA Capture: Prior to the disbursement of the stipend to the worker, a 15.3% FICA-equivalent amount shall be withheld from the total allocated ESI amount and remitted to the Treasury for the Medicare Part B Reduction Stabilization Fund.

(c) Net Stipend Disbursement: The remaining balance shall be transferred directly to the worker’s Health Savings Account (HSA).

(d) HSA Mandate: These funds are non-taxable and shall be used exclusively for a Qualified Health Plan (QHP) and medical expenses.

​SECTION 4: THE GUARANTEED PATIENT BILL OF RIGHTS

(a) Guaranteed Issue: No denial of enrollment based on medical history.

(b) Deductible as Total Liability: The annual deductible shall serve as the absolute Total Annual Out-of-Pocket Maximum. Once the deductible is met, the patient is responsible for $0 in further cost-sharing, copays, or coinsurance for the remainder of the calendar year.

(c) Affordability Cap: The Total Annual Out-of-Pocket Maximum (Deductible) is strictly limited to $3,500 (individual) / $6,500 (family).

(d) HSA Mandate: Annual HSA contributions must be equal to or greater than the annual out-of-pocket cap.

​SECTION 5: THE 1099 SELF-REIMBURSEMENT MANDATE

The 7.65% employer-share of self-employment tax shall be redirected to the worker's personal HSA.

​SECTION 6: MEDICARE PART B PREMIUM REDUCTION STABILIZATION FUND

The Secretary of the Treasury is hereby mandated to administer the funds captured via FICA withholding in Section 3(b) to systematically reduce Part B premiums for all seniors. The Secretary shall maintain strict oversight of these funds to ensure they are used exclusively for premium reduction.

​SECTION 7: SOCIAL SECURITY INTEGRITY AND SOLVENCY

Realized Savings Redirect: 100% of realized savings incurred by the federal government are mandated to be transferred into the Social Security OASI Trust Fund.

Definition of Realized Savings: These savings are defined as the direct reduction in federal healthcare outlays resulting from Phase 1 market reforms. As healthcare services for Medicare and federal-share Medicaid beneficiaries become more affordable, the taxpayer-funded costs to the federal government drop precipitously. These captured federal savings—previously drained by an artificially inflated, non-competitive market—are strictly mandated to be deposited into the Social Security OASI Trust Fund to ensure its long-term solvency and integrity.

Execution Mandate: The Secretary of the Treasury, in their capacity as Managing Trustee of the Social Security Trust Funds, is hereby directed to calculate these realized federal savings annually and execute the mandatory transfer of said funds from the Treasury into the Social Security OASI Trust Fund.

State-Level Fiscal Relief: While this Act drives down the market cost of care, any savings realized by states through the reduced cost of administering and funding their portion of Medicaid remain within the respective state budgets to be utilized at the discretion of the state.

​SECTION 8: BREAKUP OF VERTICAL INTEGRATION

Separates insurance from PBMs, pharmacies, and providers within two years of enactment.

​SECTION 9: COMPLIANCE AND ENFORCEMENT

Non-compliance by any institution triggers an immediate cutoff of Title IV student aid and federal grants.

​SECTION 10: SEVERABILITY

If any provision is held invalid, the remainder remains in effect.

​John Dady

citizensagainsttyranny1776@gmail.com