What You Get
$1,200 Cash
Direct payment to your bank account within 90 days of launch
$2,000 in Your HSA
Health Savings Account funded immediately - yours to keep and grow
Guaranteed Maximum
You'll never pay more than $5,000-$25,000/year (based on age)
The Three-Layer Protection System
Click each layer to learn more
Layer 1: Your HSA
You Control
$2,000 free in Year 1
- ✓ Up to $17,500/year contributions
- ✓ Tax-free growth
- ✓ Rolls over annually
- ✓ Portable - follows you
- ✓ Covers routine care
Layer 2: Gap Insurance
You Choose
Affordable & Guaranteed
- ✓ Covers between HSA and max
- ✓ Private market competition
- ✓ Federal backstop if needed
- ✓ Predictable premiums
- ✓ Optional but affordable
Layer 3: Federal Safety Net
Always There
100% Coverage Above Max
- ✓ Covers everything above max
- ✓ No bankruptcy ever
- ✓ Catastrophic protection
- ✓ Universal guarantee
- ✓ Regardless of employment
What's Your Maximum?
Calculate Your Protection
Your Out-of-Pocket Maximum: $15,000
Everything above $15,000 is covered 100% by the federal government. You will never pay more than this amount in a year, no matter what happens.
All Age Groups
| Age Range | Annual Maximum | Government Coverage |
|---|---|---|
| 0-25 | $5,000 | 100% above $5,000 |
| 26-65 | $15,000 | 100% above $15,000 |
| 66-85 | $25,000 | 100% above $25,000 |
| 85-90 | $25,000 | 75% above $25,000 |
| 90+ | $25,000 | 50-25% above $25,000 |
Healthcare Dividend: Immediate Benefits
$1,200 Direct Payment
Cash deposited directly to your bank account. No application needed. Automatic based on tax records.
$2,000 HSA Deposit
Your Health Savings Account is funded. This money is yours to use for healthcare, rolls over annually, and grows tax-free.
Wage Increases Begin
Your employer saves $10,000+ per employee on premiums and can give you a raise. Average increase: $3,800/year.
$1,500 More to HSA
Additional automatic deposit. Your HSA balance now at $3,500+ for healthcare security.
System Fully Mature
You've received $5,000+ in HSA seed funding. Employer contributions normalized. Wage growth sustained. System self-sustaining.
Your 5-Year Benefit Calculator
Medicare Bridge: Your Choice
Annual Choice Framework
Option A: Traditional Medicare
Keep What You Have
- ✓ Parts A, B, D
- ✓ Medigap available
- ✓ Familiar system
- ⚠ Unlimited exposure
- ⚠ Complex coverage
Option B: Medicare Advantage Plus
Better Protection
- ✓ $25,000 maximum
- ✓ 100% coverage above
- ✓ No Medigap needed
- ✓ Simpler system
- ✓ Better protection
Real Example: Medical Emergency
| Scenario | Traditional Medicare | Medicare Advantage Plus |
|---|---|---|
| Total Medical Bills | $80,000 | $80,000 |
| Your Out-of-Pocket | $35,000+ | $25,000 MAX |
| Government Pays | $45,000 | $55,000 |
| Bankruptcy Risk | High | Zero |
Current System vs. American Health Security Act
| Feature | Current System | American Health Security Act |
|---|---|---|
| Medical Bankruptcy | ✗ Common | ✓ Eliminated |
| Out-of-Pocket Maximum | ✗ Unlimited or very high | ✓ $5K-$25K (age-based) |
| Job Mobility | ✗ Trapped by insurance | ✓ Complete freedom |
| Immediate Benefits | ✗ None | ✓ $3,200 Year 1 |
| Wage Growth | ✗ Stagnant (+16% since 2000) | ✓ Average $3,800 increase |
| Employer Healthcare Costs | ✗ $17,000+ per employee | ✓ $7,500 (optional) |
| Medicare Options | ✗ Take it or leave it | ✓ Annual choice |
| Gap Insurance Guarantee | ✗ Not guaranteed | ✓ Federal backstop |
| Federal Cost | ✗ $1.93 trillion | ✓ $1.5 trillion |
| Provider Choice | Limited by networks | ✓ Any provider |
Healthcare Security Without Healthcare Socialism
Market-based protection. Your choice of doctors. Immediate benefits. No bankruptcy.