We the People Healthcare Act: The Zero-Cost Reform That Saves Families $16,000/Year and Ends Medical Bankruptcies Forever.

America’s Healthcare Nightmare: Exploding Costs, Empty Trust Funds, and a Rare Sense to Save America!

By Jeremy Black, October 28, 2025

“The system is not broken. It was built this way.”

A whistleblower physician, speaking anonymously to The New York Times, 2024

Imagine this: You’re scrolling through your bank app after a routine doctor’s visit, only to see a bill that could wipe out your savings. Or worse, you’re a retiree staring at the calendar, wondering if Medicare will still cover your meds by the time you need them most. This isn’t dystopian fiction; it’s the daily reality for millions of Americans in 2025. Our healthcare system, once a beacon of innovation, has morphed into a labyrinth of escalating costs, bureaucratic tangles, and unmet promises. From the Affordable Care Act’s (ACA) teetering subsidies to the trillion-dollar black hole of unfunded liabilities, the cracks are widening. And the people? They’re fed up. In this post, we’ll unpack the chaos and explore why it’s time for a rare sense of clarity and courage to pull America back from the brink.

The Drastic Rise in Healthcare Costs: A Ticking Time Bomb

Healthcare inflation isn’t just outpacing the economy; it’s lapping it twice over. In 2025, the average cost of employer-sponsored health coverage is projected to surge by 9%, pushing totals beyond $16,000 per employee. For families, premiums are closing in on $27,000 annually, with workers shouldering about $6,850 of that burden. And it’s not slowing down: Medical cost trends are holding steady at 8.5% for group plans and 7.5% for individuals this year, with employers bracing for a 6.5% hike in 2026, the steepest in over a decade.

Why the explosion? Blame a cocktail of factors: An aging population demanding more services, skyrocketing drug prices, hospital consolidations driving up fees, and administrative bloat that rivals a bad bureaucracy thriller. The U.S. already spends more per capita on healthcare than any other nation, nearly twice as much as peers like Canada and Germany, but outcomes lag. This isn’t sustainable; it’s a squeeze on families and businesses alike, forcing tough choices between care and groceries. To summarize:

Healthcare inflation isn’t just beating the economy, it’s lapping it twice.

• Average employer-sponsored family premium in 2025: $27,000+

• Worker share: $6,850 and climbing

• Projected 2026 increase: 6.5 % — the steepest in over a decade

Why?

• Aging population demanding more services

• Skyrocketing drug prices (brand-name meds up 68 % since ACA)

• Hospital consolidations jacking up “facility fees” 300–600 %

• Administrative bloat that costs $500 billion yearly in billing wars

This isn’t sustainable. It’s a slow-motion disaster. Yet neither party is offering real solutions and both they and the media are bought and paid for!

ACA Government Subsidies: The Cliff We’re All Heading Toward

Enter the ACA, the 2010 law that expanded coverage to 20 million Americans but now hangs by a thread. Enhanced premium tax credits supercharged subsidies introduced in 2021 and extended through 2025 via the Inflation Reduction Act have kept marketplace plans affordable for lower- and middle-income folks. Without them, premiums could more than double on average in 2026, with nationwide hikes of up to 18%. Notice how this was set up to happen AFTER the election. Research why insurance companies agreed to wait until 2026 to raise rates. Politics at its finest!

As open enrollment kicks off this fall, “sticker shock” is already hitting early birds. For a family of four earning $80,000, that could mean an extra $2,000+ in out-of-pocket costs annually. Republicans in Congress are divided on extending these credits, with vulnerable House members facing voter backlash over potential job losses of up to 340,000 nationwide if they lapse. The irony? These subsidies have driven record enrollment (21 million in 2025), yet their sunset could unravel it all, leaving millions uninsured or underinsured just as costs climb.

The enhanced ACA subsidies, extended through 2025 by the Inflation Reduction Act, have kept marketplace plans “affordable” for millions.

Without extension in 2026? Average premiums double. Some states see hikes of 18–25 %.

Why the cliff? Because extending them costs $800 billion over the next decade, money both parties promised but never budgeted.

And guess who lobbied hardest to delay the pain until after midterms? The same insurers who pocket record profits.

American's are asking the wrong question about healthcare. The right questions is why are we not addressing the cost?

Depleting Medicare and Medicaid Funds: The Inevitable Crunch

Medicare and Medicaid, lifelines for 150 million Americans, are running on fumes. The Medicare Hospital Insurance (HI) Trust Fund, which funds Part A hospital stays, is projected to be depleted by 2033, three years earlier than last year’s estimate. Once exhausted, it could slash hospital payments by 11%, delaying care, closing rural facilities, and hiking premiums for the 65 million beneficiaries.

Medicaid, covering low-income families and long-term care, faces its own squeeze amid state budget strains and federal cuts in the 2025 reconciliation bill. What does this mean? Longer waiting times, rationed services, and a ripple effect on the entire system. Hospitals already absorb $50 billion in uncompensated care each year; depletion would amplify that, potentially bankrupting providers and deterring doctors from participating in public programs. For seniors and the poor, it’s not abstract; it’s choosing between meds and meals.

Unfunded Liabilities: A $50 Trillion Shadow Over Our Future

Zoom out, and the numbers get apocalyptic. Medicare’s 75-year unfunded obligation clocks in at $52.8 trillion, while combined with Social Security, it’s a staggering $28.1 trillion shortfall (1.5% of GDP). Medicaid adds fuel to the fire, with costs projected to balloon from 3.9% of GDP in 2025 to 6.2% by 2049.

These aren’t optional IOUs; they’re promises we’ve made to retirees and the vulnerable, backed by nothing but faith in future taxes or cuts. Borrowing from tomorrow to pay today? It’s borrowing from our kids’ futures, exacerbating the $38 trillion national debt. Without reform, we’re staring at tax hikes, benefit cuts, or both, which are nonpalatable in an election cycle.

Medicare & Medicaid: Running on Empty

• Medicare Hospital Insurance Trust Fund depleted by 2033 (three years earlier than last estimate)

• Once gone, hospital payments cut 11 %, rural closures, delayed care, premium spikes for seniors

• Medicaid strained by state budgets and federal cuts, longer waits, fewer doctors accepting it

150 million Americans depend on these programs. They’re not “entitlements.” They’re promises, and we’re breaking them.

Personal Healthcare Debt: The Silent Bankrupter

The macro mess trickles down to individual agony. In 2025, 41% of adults carry medical or dental debt, often funneled through credit cards or collections. Shockingly, 36% of households owe something, with 100 million Americans saddled by at least $220 billion in unpaid bills.

• 41 % of adults carry medical/dental debt

• 100 million Americans owe $220 billion total

• 36 % of households affected

• Credit cards, payment plans, collections, the #1 cause of bankruptcy

One ER visit. One cancer diagnosis. One surprise bill. One family ruined.

The ACA Wasn’t a Reform, It Was a Corporate Heist

The Affordable Care Act didn’t accidentally become a cash cow for corporate healthcare. It was engineered that way from day one.

In 2009–2010, the healthcare lobby spent $1.2 billion on lobbying and campaign contributions, more than any other sector in history. Hospitals, insurers, and Big Pharma weren’t fighting against the ACA; they were writing it behind closed doors.

• PhRMA (Big Pharma): Secured a deal that banned Medicare from negotiating drug prices in exchange for $80 billion in “savings” over 10 years, which never materialized.

• UnitedHealth, Cigna, Aetna: Got 20 million new mandated customers via the individual mandate, with zero requirement to lower premiums.

• Hospitals: Lobbied to keep the fee-for-service (FFS) model intact meaning they get paid per procedure, not per healthy patient.

  
  

Remember Obama promising us we would save $2,500 per year? Reality? Premiums up 178 % since 2013. Wages up 31 %.

Result? Since 2010:

• Insurer profits: +1,200% (UnitedHealth alone made $22 billion in 2024).

• Hospital CEO pay: Average $1.4 million/year, with top earners over $20 million.

• Drug prices: +68% for brand-name meds since ACA passage.

  
  

Meanwhile, the federal government now spends $800 billion over less than 10 years on ACA subsidies, more than the entire defense budget in 2000. That’s your tax dollars propping up a system that charges you twice: once in premiums, once in bailouts.

Notice how much higher than estimates!

The ACA isn’t socialism. It’s corporate welfare with a government stamp.

The GOP’s “Repeal and Replace” Was Never Real

Don’t let the red ties fool you. The Republican Party never had a plan, because they didn’t want one. From 2010 to 2016, the GOP voted 63 times to repeal the ACA. But when they controlled the House, Senate, and White House in 2017? Zero votes on a replacement.

Why? Follow the money:

• 2024 cycle: Healthcare industry gave $110 million to federal candidates 51% to Republicans, 49% to Democrats.

• Top recipients? Mitch McConnell ($2.1M), Kevin McCarthy ($1.8M), Chuck Schumer ($1.9M).

  
  

Both parties are franchise owners of the same broken system. The ACA isn’t “socialism”; it’s corporate welfare with a government logo.

The ACA’s Core Flaw: A Cost-Per-Procedure Casino

The ACA didn’t fix the incentive structure; it supercharged it.

The Media Sold Out on Healthcare – And We The People Are Paying the Price!

I’m a U.S. Army veteran. I’ve seen broken systems. But nothing compares to the betrayal Americans face every day when it comes to healthcare and the media on both sides is complicit. Let’s cut through the noise. Both parties sold us out and use their bought-and-sold media to continue playing the game. Most of America is busy blaming other Americans for supporting the opposite side, while the Healthcare Industry and politicians laugh all the way to the BANK!

Left media defends the ACA as “historic.” Right media screams “socialism” but never delivers repeal.

Both silent on the real problem: the revolving door that lets ex-members cash in from the same companies they “regulated.”

They keep us fighting red vs. blue. So we never fight citizens vs. capture.

The Left’s Sacred Cow: The ACA

The Affordable Care Act was sold as a lifeline. Instead, it became a cash machine for insurance giants.

• Subsidies have exploded 500% since 2014.

• Taxpayers now fund $800 billion every decade to keep it afloat.

• UnitedHealth alone raked in $22 billion in profit last year.

  
  

Yet MSNBC, CNN, and progressive pundits still call it a “historic success.” They won’t tell you that 1 in 4 Americans skip meds because they can’t afford them, even with insurance.

The Right’s Empty Promise: “Repeal and Replace!”

For seven years, the GOP screamed from every rooftop:

“We’ll repeal Obamacare on Day One!”

Then they took Congress… and did nothing. No plan. No vote. No replacement. Fox News, Newsmax, and talk radio hosts? They gave them a pass. Why? Because rage drives ratings. Solutions don’t.

The Truth Neither Side Wants You to Hear

Healthcare isn’t broken; it’s rigged. By lobbyists. By bureaucrats. By a media that profits from your pain. But there is a way out.

Rare Sense to Save America: Your Blueprint

I didn’t write Rare Sense to Save America to play partisan games. I wrote it to give you the tools to take back power.

Inside, you’ll find real, no-BS solutions:

• End surprise billing

• Break the insurance cartel

• Put patients over profits

• Improved patient outcomes

• Drastically lower cost

• Easy to navigate

• Hold politicians accountable, no matter what the party

• Plus solutions to other national problems!

  
  

This isn’t left. It isn’t right. It’s Red, White, and Blue!

The Rare Sense Solution: The We the People Healthcare Act

There is a third way, proven, zero-cost to taxpayers, and devastating to the cartel.

The We the People Healthcare Act, seven reforms that save $1.95 trillion/year and end medical bankruptcies forever. Get the details at https://www.raresenseamerica.com/we-the-people-healthcare-act

Frequently Asked Questions About the We the People Healthcare Act

Here are 20 hard-hitting FAQs that destroy every common objection, excuse, and lie the elites and media will throw at this bill. Each one is backed by real data and examples from 2025.

1. Will the We the People Healthcare Act leave people uninsured or underinsured? No, it guarantees universal catastrophic coverage + HSA deposits for everyone, with 100 % subsidies under 200 % FPL and sliding-scale up to 400 %. More generous and effective than the ACA, with zero medical bankruptcies.

2. What about pre-existing conditions? Fully protected, catastrophic plans cannot deny or charge more, just like the ACA. HSAs cover deductibles for subsidized families, so cancer or diabetes costs $0 out-of-pocket.

3. Won’t this destroy Medicare and Medicaid? It saves them. Medicare/Medicaid spending drops from $2.3 trillion to ~$900 billion by mid-2030s because prices collapse and prevention skyrockets. Benefits stay intact, seniors get better care.

4. Will hospitals and doctors go out of business with price caps? No, Singapore caps at ~120 % of public rates and has more beds per capita than the U.S. Cash-paying patients + real competition make providers profitable again.

5. What about rural hospitals closing? Rural hospitals close today because of unpaid bills. Every patient gets real coverage + HSA cash, bad debt vanishes, rural facilities thrive.

6. Millions of insurance jobs will be lost! Insurers pivot to catastrophic plans and HSA administration, still hundreds of billions in revenue. Billing bureaucrats become customer-service reps. Progress, not loss.

7. Isn’t this just “socialism” or government takeover? No, it’s private insurance, cash payments, and competition on steroids. More market-driven than the ACA’s mandates and subsidies.

8. What about Medicare for All, isn’t that better? Medicare for All costs $32–$52 trillion over 10 years with rationing and queues. This saves $1.95 trillion/year, covers everyone, and empowers patients, no bureaucracy.

9. Will doctors quit if we change incentives? Doctors hate prior authorizations and billing wars today. DPC + capitation lets them focus on patients. Texas tort reform added 7,000 doctors after similar changes.

10. How do we pay for HSA deposits and subsidies? Deficit-neutral Year 1 from savings ($420B transparency + $380B catastrophic shift + $290B monopolies). By Year 5, massive surplus.

11. What about the poorest Americans on Medicaid? They leave Medicaid (long waits, few doctors) for real private coverage + $10,000 HSA cash/year. They can see any doctor, life-changing upgrade.

12. Won’t drug companies stop innovating if prices drop? U.S. revenue is 40 % of global Pharma profits. Negotiation + imports still leave billions for R&D, Europe innovates just fine at 60–80 % lower prices.

13. Is this constitutional? Yes, Congress regulates commerce. Same authority as ACA mandates and Medicare.

14. What if providers ignore transparency? $10 million fine per violation, enforced like OSHA safety rules.

15. Will this increase wait times like single-payer countries? No, cash + competition shortens waits. Oklahoma Surgery Center has no lines; Singapore has same-day specialist access.

16. What about seniors on fixed incomes? Full subsidies + $10,000 HSA + no more surprise bills = seniors keep more money and get better preventive care.

17. Can states opt out or sabotage it? Federal law preempts, just like ACA exchanges. States can add bonuses.

18. What if Congress waters it down? We reject anything less than the full act. Primary them.

19. I’m healthy, why should I care? One accident or diagnosis changes everything. This protects you when you need it most, and saves you $16,000/year even if you’re healthy.

20. What’s the first thing I do right now? While our text campaign focuses on the Lifetime Lobbying Ban (the foundation), call/email your rep/senators demanding co-sponsorship of the We the People Healthcare Act. Use the template in the pillar post. Your voice matters today.

Stop Waiting. Start Fighting.

The media won’t fix this. Congress won’t. You will. Because while common sense is dead, Rare Sense is just waiting for We the People to wake up! Enough talk about high prices, corrupt government, and the biased media! The time to take action is now. Grab your copy of the blueprint to restore power to We the People! Rare Sense to Save America is wherever great books are sold, including Amazon at https://a.co/d/dmxAYjK.

Thomas Paine's Common Sense – Your Call to Action

Thomas Paine united a divided people against tyranny.

Rare Sense to Save America is the 21st-century Common Sense.

Your ancestors paid with blood.

All we ask is action.

While our text campaign focuses on the Lifetime Lobbying Ban (the foundation), take action on healthcare now:

• Call your rep/senators

• Email the template

• Mail the bill

Demand co-sponsorship of the We the People Healthcare Act.

Then join: https://www.raresenseamerica.com/join Book: https://a.co/d/dmxAYjK

We are coming.

For more detail read our Healthcare pillar page

Check out our live counter on our fight page where we also have an easy way to contact all your members of Congress simply by texting WethePeople to 50409. Our current fight is the Lifetime Lobbying Ban.

Once we finish that we will move the text fight to Healthcare. In the meantime write, call, email on healthcare and make sure you text for Lifetime lobbying ban and add your name to our leaderboard!

Every name = one demand sent to Congress. When it hits one million, the cartel loses.

Add your name now, takes 30 seconds,  Add me to the Rare Sense Wall of Fame!

#healthcarereform #aca #medicare #healthcarecrisis #wethepeople

#RareSense #HealthcareTruth #WeThePeople #TakeBackAmerica

#wethepeople #healthcarecrisis #governmentshutdown #raresensetosaveamerica #patriot

des