THE HEALTHCARE MARKET LIBERATION & AFFORDABILITY ACT

Author: John Dady | iwriteyoushare.com | citizensagainsttyranny1776@gmail.com

TABLE OF CONTENTS

Section 1: Findings and Purpose

Section 2: The Guaranteed Patient Bill of Rights

Section 3: Market Liberation & Open Market Access

Section 4: Provider Empowerment (Nursing & Chiropractic)

Section 5: The 1099 Self-Reimbursement Mandate

Section 6: Medicare Part B Premium Reduction Stabilization Fund

Section 7: Social Security Integrity & Solvency

Section 8: Breakup of Vertical Integration in Healthcare

Section 9: Compliance and Enforcement

Section 10: Phased Implementation and Stipend Activation

Section 11: Severability

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Healthcare Market Liberation & Affordability Act.”

SECTION 2: FINDINGS AND PURPOSE

Congress finds that the American healthcare crisis is a crisis of leverage and artificial scarcity. This Act is designed to solve the affordability crisis without taxpayer-funded subsidies by removing anti-competitive barriers and restoring economic power to the individual worker.

The Indictment

State-sanctioned monopolies: Certificate of Need (CON) laws and restrictive licensure prevent competition, keeping prices high and supply low.

The transparency void: Patients are denied the right to know the cash price of care before it is rendered.

Employment discrimination: The tax code penalizes 1099 workers and small business owners by denying them the “employer-share” tax benefits granted to corporations.

SECTION 3: THE GUARANTEED PATIENT BILL OF RIGHTS

Every Qualified Health Plan under this Act must provide the following protections:

Guaranteed Issue — No denial of enrollment or higher premiums based on pre-existing conditions, health history, or medical history.

Affordability Cap — Maximum out-of-pocket expenses strictly limited to $2,500 (individual) / $5,000 (family).

HSA Mandate — Annual HSA contributions must equal the maximum out-of-pocket cap to ensure lifelong stability. Once the cap is met, the plan covers 100% of in-network essential benefits.

Rating Limits — Premiums for Qualified Health Plans shall be subject to strict rating bands: no more than 2:1 based on age, 1.5:1 based on tobacco use/smoking status, and 1.5:1 based on geographic location. An absolute maximum premium cap of 6 times the lowest rate shall apply to prevent excessive variation.

SECTION 4: MARKET LIBERATION & OPEN MARKET ACCESS

Real-Time Cash Price Mandate

All hospitals, clinics, testing facilities, and other healthcare delivery entities must publicly post and provide maximum cash prices (discounted prices available for direct payment without insurance) for all services in a consumer-friendly, easily accessible format (such as a dedicated webpage or price estimator tool).

Facilities shall achieve full compliance with this requirement not later than 12 months after enactment.

Prices must be updated in real time (or as changes occur).

Group of One Mandate

Every individual and 1099 worker is legally classified as a “Group of One.”

This grants the absolute right to purchase health insurance at the same negotiated group rates reserved for large corporations.

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.

Telehealth Parity

All systems must treat a telehealth visit as identical to an in-person doctor visit for reimbursement and validity.

National Competition and CON Repeal Enforcement

Mandate — All states shall repeal all Certificate of Need (CON) laws, regulations, or programs.

Compliance Deadline — Full compliance within 12 months after enactment.

Penalty for Non-Compliance

After the first year: 5% of federal Title IV funding withheld annually.

After 18 months: 10% withheld annually until compliance.

Administration — Secretary of Education (in consultation with HHS) administers withholding; funds revert to Treasury.

Intent — Condition federal education funds on state deregulation to promote competition and lower prices.

SECTION 5: PROVIDER EMPOWERMENT (NURSING & CHIROPRACTIC)

Nursing & LPN Maintenance Authority — LPNs and RNs may issue prescriptions/refills for maintenance drugs (e.g., blood pressure, insulin) for established diagnoses.

Chiropractic Parity — No Qualified Health Plan shall discriminate against chiropractic care; services covered at primary care tiers, no visit caps, no gatekeeper referral required.

SECTION 6: THE 1099 SELF-REIMBURSEMENT MANDATE

The Redirection — The 7.65% employer-share of self-employment tax for 1099 workers shall be redirected from Treasury directly into their personal HSA.

Purpose — Funds belong to the worker; used for any Qualified Health Plan (QHP) or medical expenses. No association required.

Parity Principle — Matches the tax-free employer contribution W-2 workers receive.

SECTION 7: MEDICARE PART B PREMIUM REDUCTION STABILIZATION FUND

Revenue from redirection mechanisms (including 7.65% employer-share carve-out and analogous employer-sponsored contributions) credited exclusively to a new Treasury fund: Medicare Part B Reduction Stabilization Fund.

Used solely for annual downward adjustments to Part B premiums under Social Security Act §1839.

Goal: Eliminate the standard Part B premium ($202.90 in 2026) for all seniors over time, funded by working-age market efficiencies—not new taxes.

SECTION 8: SOCIAL SECURITY INTEGRITY & SOLVENCY

OMB establishes baseline federal healthcare outlays at enactment and calculates annual “Realized Savings” from competition, transparency, CON repeal, vertical integration breakup, etc.

100% of Realized Savings automatically redirected from General Fund to Social Security OASI Trust Fund to extend solvency beyond 2033 without benefit cuts or tax increases.

SECTION 9: BREAKUP OF VERTICAL INTEGRATION IN HEALTHCARE

Prohibits any health insurance entity from owning, controlling, or having interest in a PBM, pharmacy, hospital, physician group, etc.

Two-Year Divestiture — Full separation within two years; no extensions.

Enforcement — Withholding federal funds, civil penalties, FTC/DOJ court-ordered divestiture and disgorgement.

Patient Protections — HHS regulations ensure orderly transition.

SECTION 10: COMPLIANCE AND ENFORCEMENT

Non-compliance with any mandate triggers immediate Title IV student aid cutoff + other federal grants.

HHS and Education Secretaries jointly enforce.

Annual congressional reports on compliance, savings, premium reductions, divestiture.

SECTION 11: PHASED IMPLEMENTATION AND STIPEND ACTIVATION

Phase 1 — Immediate enforcement of market reforms (transparency, CON repeal, breakup, etc.).

Phase 2 — Stipend activation (employer premium redirection to HSAs + 15.3% FICA carve-out to Medicare fund) no earlier than 3 years, no later than 4 years after enactment.

Flexibility — Secretary certifies progress; may accelerate or extend timeline based on cost/premium trends.

Intent — Ensure stipends activate only after competition lowers costs.

SECTION 12: SEVERABILITY

If any provision (or application) is held invalid, the remainder remains in effect.

Prepared by John Dady | iwriteyoushare.com | citizensagainsttyranny1776@gmail.com