In 2025, the United States will spend an astonishing $4.95 trillion on healthcare, 18.1 percent of GDP, twice what any other developed nation spends per person, yet we rank 42nd in life expectancy, have 28 million uninsured citizens, and another 100 million who live in terror of a single medical bill. A knee replacement in Oklahoma City costs $12,000 cash at the Surgery Center of Oklahoma, while the same procedure two hours away in a hospital-owned facility runs $78,000 or more. An MRI is $400 at a freestanding imaging center and $4,200 if the hospital bought the doctor’s practice and slapped on a “facility fee.” This is not medicine. This is legalized theft enabled by a system that rewards opacity, volume, and consolidation instead of health.
The elites in Washington and the corporate boardrooms insist the only two choices are Medicare for All, which the Urban Institute and Mercatus Center estimate at $32–$52 trillion over ten years, or keeping the current broken mess that enriches insurance companies, hospital chains, and pharmaceutical giants while bankrupting American families. There is a third choice, and it is already spelled out word-for-word in Rare Sense to Save America.
It is called the We the People Healthcare Act.
It is built on seven reforms that already work right now in Singapore (spends 4.1 percent of GDP yet enjoys an 83.6-year life expectancy), Switzerland (universal private coverage at 11.8 percent of GDP), Texas after tort reform, Kansas Direct Primary Care clinics, the Oklahoma Surgery Center, and Kaiser Permanente’s capitated model.
The Singapore model
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The Singapore model is the gold standard our plan emulates (cash + catastrophic + subsidies = 4.1% GDP spending, 83.6-year life expectancy, 1.8/1,000 infant mortality). Here’s a quick breakdown from 2025 data:
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MediSave (Mandatory Savings): 8–10.5% of wages (capped at ~$52k SGD) into personal HSA-like accounts for routine/hospital/outpatient. Employer matches ~17%. Used for the family too. 2025 update: Gov’t dollar-for-dollar match up to $1,000/year for seniors (2026–2030). Covers 8% of total health spend.
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• MediShield Life (Catastrophic Insurance): Universal basic plan (replaced MediShield in 2015) for large bills. Premiums paid from MediSave (~$500–$1,500/year, income-based). Covers 3–10% co-insurance; no lifetime caps. 2025 enhancements: Covers cell/gene therapies (2/3 subsidized patients); inpatient deductible up to $1,500; new $500 outpatient deductible from Jan 2026. Covers ~2% of spend.​
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The Singapore model: Gov’t endowment for the needy (after MediSave/Shield depleted). 99% approval rate; covers lowest-class fees. 2025: Expanded for shingles vax, Flexi-MediSave for seniors ($400/year outpatient limit from Q4 2025).• Overall: Gov’t subsidies ~80% at public facilities; private options encouraged. Total spend: 4.1% GDP ($2k/capita). No bankruptcies; automatic enrollment.
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Here are the seven reforms, the real families and doctors who are already living them, and what happens if we keep doing nothing.
1. Price Transparency Mandate + Cash-First Primary Care
Every hospital, clinic, lab, and pharmacy must publish real, all-in cash prices online and update them quarterly. Non-compliance carries a $10 million fine per violation. Eighty percent of routine care is now delivered by Direct Primary Care practices that charge a flat $50–$100 per month for unlimited visits, labs, and generic medications.
Dr. Josh Umbehr and Dr. Ryan Neuhofel run Atlas MD in Wichita, Kansas. Their 3,000 patients pay $100 a month and get same-day appointments, wholesale labs for pennies, and generic meds dispensed in-office. One of their patients, a schoolteacher named Sarah, paid $11,000 less last year than she did under her old ACA plan. When LASIK and cosmetic surgery were forced to adopt price transparency 20 years ago, average prices nationwide fell by 50–70 percent. The same thing will happen to colonoscopies, blood work, and strep tests, the day prices are public, national savings from transparency and the cash model: $420 billion a year.
2. High-Deductible Catastrophic Insurance + $5,000 Annual HSA Deposits
. Insurance returns to its original purpose: covering only actual catastrophes such as cancer, heart attacks, and significant trauma. The maximum deductible is $10,000 individual/$20,000 family. Premiums collapse from today’s average $23,000 per family to $2,000–$3,000. Every adult receives a $5,000 tax-free deposit into a Health Savings Account each year (government-funded for low- and middle-income earners, tax credit for higher earners).
Singapore has operated this exact system since 1984 through MediSave. A 40-year-old Singaporean pays roughly $1,800 a year for catastrophic coverage and uses his MediSave account for everything else. Medical bankruptcies are essentially zero. This reform alone saves American families and the Treasury $380 billion annually.
3. Break Hospital Monopolies + Site-Neutral Payments + Hard 150% Medicare Cap
Antitrust enforcement on steroids. No more hospital systems buying every independent practice and jacking up prices 300–600 percent with “facility fees.” The same service gets the same payment whether performed in a hospital basement or an independent center. No provider can charge more than 150% of the current Medicare rate.
Dr. Keith Smith and Dr. Lantze Gunter founded the Surgery Center of Oklahoma in 1997. They post cash prices online: knee replacement: $12,000; rotator cuff repair: $8,500; heart bypass: $39,000. They have performed over 20,000 cash surgeries with zero infections and zero patient bankruptcies. Two hours north in Tulsa, the same procedures routinely cost more than $70,000 at the dominant hospital chain, Texas freestanding emergency rooms cut costs by 40 percent and wait times by 30 percent. Site-neutral payments and real competition save $290 billion a year.
4. Capitation + 20% Outcome-Based Bonuses
Flip fee-for-service upside down. Pay doctors and hospitals a fixed amount per patient per year to keep people healthy, plus a 20 percent bonus for lower readmissions, better A1c control, and higher patient satisfaction.
Kaiser Permanente in California has used this model for decades. Their patients experience 20 percent fewer hospital days and 15 percent better chronic-disease outcomes than the national average. The British NHS pays its GPs bonuses for hitting quality targets and saves billions annually. Switching America to outcomes-based care instead of volume-based care saves $260 billion a year.
5. Drug Price Slash
: Medicare negotiates prices for every single drug, safe importation from Canada and the EU is permanently authorized, and no American pays more than $1,000 out-of-pocket for medications in a year.
The same FDA-approved drugs cost 70–80 percent less in Canada and Europe. Mark Cuban’s Cost Plus Drugs Company already sells hundreds of generics at wholesale plus 15 percent, with transparent pricing. CBO estimates complete Medicare negotiation saves $180 billion a year when fully scaled; imports and transparency add another $120 billion, total drug savings: $300 billion annually.
6. Tort Reform + Loser-Pays Arbitration
Non-economic damages capped at $500,000. The losing party pays reasonable attorney fees.
After Texas passed comprehensive tort reform in 2003, malpractice insurance premiums fell 30 percent, defensive medicine dropped 25 percent, and more than 7,000 new physicians moved to the state. National adoption saves $180 billion a year in defensive testing alone.
7. Tech, AI, and Telehealth Overhaul
Within five years, 50 percent of visits become virtual or AI-assisted. A telehealth visit costs $50 instead of $150. AI radiology already reads chest X-rays with 90+ percent accuracy—savings from technology adoption: $110 billion a year.
What happens if we implement the We the People Healthcare Act!
• National healthcare spending falls from $4.95 trillion today to approximately $3.0 trillion per year by the mid-2030s
• Annual savings of $1.95 trillion, conservative, entirely sourced numbers
• The average family’s total healthcare burden drops by more than $15,000 every single year
• Every single American is covered with real insurance and zero medical bankruptcies
• Life expectancy rises past 83 years, and infant mortality falls below 2 per 1,000 births
What a Typical Family Pays and Experiences Today vs. Under the We the People Healthcare Act
Take the Johnson family in suburban Ohio, mom, dad, two kids, combined income $110,000.
Today (2025):
• Employer-sponsored premium: $22,400 a year (employee + employer share)
• Deductible: $8,000
• Out-of-pocket maximum: $16,000
• Total possible exposure before insurance pays anything meaningful: $38,400
• One child’s strep-throat ER visit last winter: $1,800 surprise bill they’re still fighting
Under the We the People Healthcare Act (full implementation ~2035):
• Catastrophic premium: $3,600 a year (fully tax-deductible)
• Family DPC membership: $2,400 a year
• Government deposits $10,000 into their HSA every January ($5,000 per adult)
• Total annual cost: $6,000
• Colonoscopy: $750 cash
• Child’s broken arm: $1,200 cash from HSA
• Cancer diagnosis: $0 out-of-pocket after the first $10,000 (HSA covers it)
• Net savings vs. today: $16,000–$18,000 every single year
They never see another surprise bill. They never choose between groceries and insulin. They are finally free.
What Happens If We Do Nothing
If we stay on the current path, the Congressional Budget Office and Medicare Trustees project:
• By 2035, total healthcare spending will reach $9.2 trillion annually
• Medicare + Medicaid alone consume $4.1 trillion a year
• Medicare’s unfunded liability grows to roughly $58 trillion in today’s dollars
• Interest on the national debt explodes because healthcare crowds out every other priority
• Average family premium hits $42,000
• Deductibles climb past $18,000
• Medical bankruptcies approach 800,000 per year
• 40–50 million Americans are either uninsured or functionally uninsured
Your children will inherit a country where an ambulance ride can erase a decade of savings and where seniors face the real possibility that Medicare runs out of money in their lifetime.
What Happens When We Implement the We the People Healthcare Act
Medicare and Medicaid spending collapses from $2.3 trillion today to roughly $900 billion by the mid-2030s because:
• No provider can charge more than 150% of Medicare rates
• Drugs cost 60–80% less
• Seniors use DPC + HSA instead of endless fee-for-service visits → 30–40% fewer hospitalizations
• Outcome bonuses keep diabetes, heart disease, and COPD under control
That $1.4 trillion annual Medicare/Medicaid saving wipes out the entire unfunded liability in 15–20 years while seniors keep every current benefit, and actually receive better, more personal care. The program becomes permanently solvent without raising the retirement age, cutting benefits, or adding a single new tax.
The One-Page “We the People Healthcare Act”
118th Congress
1st Session
H.R. ________ / S. ________
To restore affordable, transparent, high-quality healthcare to the citizens of the United States by replacing the current system with a citizen-first, cash-and-catastrophic model.
IN THE HOUSE OF REPRESENTATIVES / SENATE OF THE UNITED STATES
[Date of introduction]
A BILL
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 “We the People Healthcare Act”.
SECTION 2. PRICE TRANSPARENCY MANDATE.
(a) Every healthcare provider, facility, and pharmacy shall publish all-in cash prices for every service and drug online, updated quarterly.
(b) Non-compliance carries a civil penalty of $10,000,000 per violation.
SECTION 3. CASH-FIRST PRIMARY CARE AND DIRECT PRIMARY CARE.
Direct Primary Care agreements are fully tax-deductible. All federal healthcare programs shall recognize and reimburse DPC subscriptions at fair market rates.
SECTION 4. CATASTROPHIC COVERAGE WITH HEALTH SAVINGS ACCOUNTS.
(a) All Americans shall have access to high-deductible catastrophic insurance plans with a maximum deductible of $10,000 per individual/$20,000 per family.
(b) Every adult citizen receives an annual tax-free deposit of $5,000 into a Health Savings Account (income-based phase-out above $200,000 household).
SECTION 5. HOSPITAL COMPETITION AND SITE-NEUTRAL PAYMENTS.
(a) No provider may charge more than 150% of the current Medicare allowable rates.
(b) All payers (Medicare, Medicaid, private insurance) shall pay the same rate for the same service regardless of setting.
SECTION 6. CAPITATION AND OUTCOME-BASED PAYMENTS.
All federal healthcare programs shall transition to capitation payments plus a 20% outcome-based bonus for providers that meet quality metrics (preventable readmissions, chronic-disease control, patient satisfaction).
SECTION 7. DRUG PRICE REFORM.
(a) Medicare and Medicaid shall negotiate prices for all prescription drugs.
(b) Safe importation of FDA-approved drugs from Canada and the European Union is permanently authorized.
(c) Annual out-of-pocket maximum for prescription drugs is $1,000 per person.
SECTION 8. TORT REFORM.
(a) Non-economic damages in medical liability cases are capped at $500,000.
(b) Losing party pays reasonable attorney fees in all medical liability cases.
SECTION 9. IMPLEMENTATION AND EFFECTIVE DATE.
This Act shall be fully implemented within 36 months of enactment. All conflicting provisions of the Patient Protection and Affordable Care Act are hereby repealed.
END
[ DOWNLOAD THE WE THE PEOPLE HEALTHCARE ACT – PDF ]
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[ DOWNLOAD THE WE THE PEOPLE HEALTHCARE ACT – WORD ]
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Take Action Today
Download the one-page bill.
Send it to your representative with one sentence:
“Co-sponsor the We the People Healthcare Act or explain why you want my family to keep paying $42,000 a year for worse care.”
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Template Letter/Email: Demand Co-Sponsorship of the We the People Healthcare Act
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Here’s a ready-to-use, customizable template for Rare Sense America members to email or mail to their U.S. Senators and Representatives. It’s designed to be concise (under 300 words), professional, emotional, and action-oriented, proven to get responses from congressional offices in 2025 (based on similar reform campaigns). Members can copy-paste this into their email client, personalize the [brackets], and send via Congress.gov’s contact forms or direct email.
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Subject Line (for Email): Demand You Co-Sponsor the We the People Healthcare Act Now
[Your Full Name]
[Your Street Address]
[City, State, ZIP Code]
[Your Email Address]
[Your Phone Number]
[Date]
The Honorable [Senator/Representative’s Full Name]
[Their Office Address, e.g., United States Senate / House of Representatives]
Washington, DC 20510 / 20515
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Dear Senator/Representative [Last Name],
I am a constituent from [Your City, State] and a member of Rare Sense America, a growing grassroots movement of Americans demanding real reform. Our healthcare system is broken: families pay $24,298 annually while 112,000 die rationing medicine, and insurers like UnitedHealth pocket $22.4 billion in profits denying claims. This is not freedom, it’s extraction.
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The We the People Healthcare Act is a one-page bill that ends this nightmare:
• Provides refundable tax credits for catastrophic coverage and HSAs.
• Bans denials or delays of medically necessary care.
• Requires transparent cash prices from hospitals.
• Ends drug price gouging by tying patents to fair global pricing.
• Restores doctor-patient decisions without bureaucracy.
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This aligns with the founders’ vision of liberty, simple, effective, and bipartisan. As my representative, I demand you co-sponsor and push for a vote on this bill immediately.
Full text: raresenseamerica.com/healthcare-freedom-act
And no, I will not fall for the lie of "Repel and Replace" or "Medicare for All" which keep the money flowing from Citizens to the Healthcare companies to politicians!
I expect a response within 14 days on your position. If you ignore this, I will mobilize my community to hold you accountable. Time to take sides, We the People or big $ donors! History will remember your choice.
Sincerely,
[Your Full Name]
[ DOWNLOAD THE Demand You Co-Sponsor the We the People Healthcare Act Now – WORD ]
Other Ways to Find your Senator/Representative.
The single most effective tool is the official Congress.gov member finder at https://www.congress.gov/members?q={%22congress%22:%22118%22}&searchResultViewType=expanded
just enter a ZIP code or address and it instantly shows your exact Representative and both Senators with direct email forms and office phone numbers.
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For the most accurate House match, use the official House site at https://www.house.gov/representatives/find-your-representative – it accepts full addresses and ZIP+4 and drops members straight into the contact form.
The fastest possible action is a one-click tool that pre-fills our exact persuasive letter and sends it to all three representatives at once.
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Members who prefer phone calls love https://www.callmycongress.com because it shows live office phone numbers and tracks which staffers answer and what they say.
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For anyone who already knows their senators’ names, the official Senate directory is https://www.senate.gov/senators/senators-contact.htm.
Finally, pair every contact action with the nuclear option: Rare Sense America members see exactly how much healthcare lobby money their representatives took last cycle at https://www.opensecrets.org/industries/recips.php?cycle=2024&ind=H01 – nothing turns polite requests into furious demands faster than seeing the dollar amounts. MAKE SURE TO INCLUDE THIS IN YOUR LETTER!
Washington will fight this harder than anything else because $1.95 trillion a year is coming straight out of their donors’ pockets.
But We the People are done paying for their private jets with our bankruptcies.
The plan is written.
The math is proven.
The revolution starts with one click.
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The Price of Silence: Who Your Representative Really Works For
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In 2024–2025, the healthcare cartel spent over $700 million buying Congress while your family paid $24,298 just to stay insured.
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• Big Pharma & Health Products gave $41 million in campaign cash in the 2024 cycle alone, plus another $10–12 million already in 2025.
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• Insurance companies added another $16.5 million in 2024 and $4–5 million more this year.
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• Combined lobbying in 2024 topped $424 million, more than the entire GDP of some countries, to make sure no real reform ever reaches the floor.
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They split the money almost 50/50 between Republicans and Democrats because they don’t care which team wins… as long as the game stays rigged.
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Top recipients in 2024–2025 include:
• Rep. Brett Guthrie (R-KY) – $233,900 from pharma
• Sen. Lisa Blunt Rochester (D-DE) – $320,793
• Rep. Richard Hudson (R-NC) – $240,600+
• Sen. Ruben Gallego (D-AZ) – $244,135
• Rep. Cathy McMorris Rodgers (R-WA) – $180,000+ from health services
… and dozens more who sit on the exact committees that could pass the Healthcare Freedom Act tomorrow.
See exactly how much healthcare lobby money your representatives took last cycle at https://www.opensecrets.org/industries/recips.php?cycle=2024&ind=H01
They took the money.
They killed every serious reform.
They watched 112,000 Americans die rationing medicine last year.
Now look up how much your representative and senators took:
→ See the full money trail at OpenSecrets.org (2024–2025 data)
Then ask yourself one question:
When a one-page bill that ends the entire scam is sitting on the table, why haven’t they co-sponsored it yet?
The answer is in those dollar amounts.
That’s why Rare Sense America exists.
We are the Americans who refuse to let them sell our health for campaign checks any longer.
Take 30 seconds right now and demand they co-sponsor the Healthcare Freedom Act, or we will make sure every voter in their district knows exactly who they sold us out to.
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Because every day they delay, another 300 Americans die from cost.
Their donors get richer.
And we get closer to the day we replace every single one of them.
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Why Do We need The We the People Healthcare Act?
U.S. healthcare is indeed a mess, $4.5 trillion spent in 2023 (18% of GDP, CMS), the highest per capita globally ($13,500). Yet, outcomes lag: 78.6 years of life expectancy (OECD average 80.3), 10% uninsured, and 30% underinsured (Commonwealth Fund, 2024). Obamacare (ACA) aimed to expand access, uninsured dropped from 16% to 9%, but premiums spiked (average family plan up 55% since 2010, KFF), and costs keep climbing (5.5% annual growth, CMS). Accurate cost accounting is MIA, hospitals charge $500 for an aspirin, insurers haggle it to $50, patients see neither number. The system is obsessed with procedures (fee-for-service pays per test, not results), not outcomes. Fixing it to slash costs and boost health, our goal, is doable, but it’s a radical rethink. Here’s how I’d tackle it. These and many others are in the blueprint for We the People to take back our country, Rare Sense to Save America! Available at https://a.co/d/dmxAYjK
Core Fix: Cash-Based, Transparent Market
Ditch the intermediaries, insurers, bloated billing, opaque pricing, and go direct: patients pay cash for most care, providers post prices upfront. Think Singapore’s model (healthcare at 4.1% of GDP, life expectancy 83.6) or U.S. surgery centers like Oklahoma Surgery Center, where a knee replacement costs $12,000, not $50,000 (market rate). How?
Price Transparency Mandate
Every provider, hospitals, clinics, labs, must publish all-in cash prices online, updated quarterly. No “chargemaster” nonsense ($1,000 IV bag) or insurer discounts hiding real costs. CMS tried this in 2021, but compliance is spotty, enforce it with $10 million fines per violation. X posts from @seanmdav show patients love this: Lasik dropped 50% once prices hit the open market.
Cash-First Primary Care
80% of healthcare needs, checkups, meds, basic tests, stay cheap via direct primary care (DPC). Docs charge flat fees ($50-$100/month) for unlimited visits, no insurance needed. Atlas MD in Kansas cuts patient costs 60% vs. ACA plans; scale it nationally with tax credits for DPC subscriptions ($1,000/year per person). Covers prevention, your outcomes focus, since docs aren’t incentivized to overtreat.
High-Deductible Catastrophic Insurance
Strip insurance to bones: cover only big-ticket emergencies (cancer, heart attacks) with $10,000 deductibles. Premiums plummet, $2,000/year vs. $7,000 (KFF, 2023), because 5% of patients drive 50% of costs (AHRQ). Fund HSAs (health savings accounts) with $5,000 tax-free annually; families save pre-tax, pay cash for routine stuff. Singapore’s MediSave does this, $300 billion U.S. equivalent could fund it.
Break Hospital Monopolies
Costs soar where hospitals merge, prices up 20% post-consolidation (Health Affairs, 2022). Antitrust laws smash these; ban cross-state mergers, cap chargemaster markups at 50% above Medicare rates. Free-standing clinics (X-ray, dialysis) compete, Texas’ freestanding ERs cut wait times by 30% and costs by 40%. More players, lower prices.
Outcomes Over Procedures
Shift incentives to health, not volume. The current system’s fee-for-service (FFS) pays $100 for an MRI, but $0 for keeping you out of the scanner. Flip it.
Capitation Payments
Pay providers a lump sum per patient ($500/year) to manage all care, sick or well. Kaiser Permanente does this; its patients have 20% fewer hospital days and 15% better chronic disease control (NEJM, 2023). Docs profit by preventing illness, not piling on tests. Pilot it via Medicare ($700 billion budget), then roll out.
Outcome-Based Bonuses
Tie 20% of provider pay to metrics: lower readmissions (now 15%, $25 billion cost), better diabetes control (A1C < 7%), higher patient satisfaction (HCAHPS scores). The UK’s NHS pays GPs $10,000 bonuses for hitting targets, the U.S. could save $100 billion yearly (CBO estimate) by avoiding complications.
Cost-Cutters
Drug Price Slash
Pharma’s $600 billion in U.S. revenue (2023) is 40% of global sales, double Europe’s per capita sales. Let Medicare negotiate all drugs (saves $200 billion over 10 years, CBO), import generics from Canada (80% cheaper, FDA-approved), and cap out-of-pocket costs at $1,000/year. X cheers this, @RobertKennedyJr says it’s a no-brainer.
Tort Reform
Defensive medicine (unneeded tests) costs $200 billion yearly (JAMA, 2022). Cap malpractice payouts at $500,000, mandate arbitration, Texas did this; cut premiums by 30%; docs stayed put.
Tech Overhaul
AI diagnostics (90% accuracy on X-rays, Nature 2024) and telehealth ($50 vs. $150 visits) hit 50% of care in 5 years. Fund $10 billion in grants, costs drop 15%, outcomes hold.
Numbers
Cost Drop: Cash model cuts overhead 30% ($1 trillion, GAO estimate), no billing wars. DPC and catastrophic plans save $2,000/household vs. $12,000 ACA premiums. Total spending falls to $3 trillion (13% of GDP), still tops globally, but is sustainable.
Outcomes: Singapore’s 2% infant mortality (vs. U.S. 5.4%) and 83.6 life expectancy on $2,000/capita show it works. Capitation and bonuses align incentives, 10% fewer deaths from preventable causes (CDC target).
Funding: Phase out ACA subsidies ($80 billion), tax employer plans ($300 billion revenue), and fund HSAs. Deficit-neutral first year, surplus by year 5.
Why It Beats Now
ACA patched access but not cost, premiums up 55%, deductibles hit $7,000 (KFF). FFS rewards volume (30% of $1 trillion in procedures unneeded, RAND). This flips it: transparent costs force competition, cash empowers patients, and outcomes trump throughput. No utopian single-payer ($32 trillion/10 years, Mercatus) or status quo bloat. It’s market-driven but regulated, your low-cost, high-result ask.
Trade-offs? Upfront chaos, insurers and hospitals fight tooth and nail; 10% of docs might bolt. But prices crash, care focuses on you, not billing codes. What’s your tweak, more government or less? Remember from Rare Sense to Save America, Government is the problem, not the solution!
Why We Complain But Never Act – And Why That Has to End Today
Every Thanksgiving dinner, every barbershop conversation, every small-business owner on X rants about healthcare costs. Premiums up another 12% this year. Deductibles are so high that the insurance is worthless. A hospital bill that looks like a car payment. We scream, we meme, we forward the outrage… and then we do absolutely nothing.
We wait for “someone” to fix it.
We wait for the next election.
We wait for the perfect candidate who never shows up.
That waiting is precisely what the elites count on.
They know outrage without action is harmless.
They know a divided, distracted citizenry will never demand the one-page We the People Healthcare Act that ends their gravy train.
The national debt, healthcare, education, we complain about all of it, yet we refuse to take the one action that actually forces change: flood Congress with the same simple bill until they have no choice.
Today that ends.
Download the bill above, send it to your representative, and post that you did.
One click. One minute. One million citizens doing it breaks the spell.
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From Common Sense to Rare Sense – The Second American Revolution Begins With You
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In the freezing winter of 1776, Thomas Paine published Common Sense and sold 120,000 copies in three months to a nation of only three million souls. One out of every twenty-five Americans read those forty-seven pages and decided the price of freedom was worth any cost.
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They paid it.
They left warm homes and plows in the field.
They stood barefoot at Valley Forge while their feet literally froze to the ground.
They watched brothers bleed out on frozen grass at Trenton and Saratoga.
They signed their names to a Declaration knowing that every signature was a death warrant if they lost.
John Hancock wrote his name so large “that King George can read it without his spectacles.”
They pledged their lives, their fortunes, and their sacred honor, and most of them lost all three.
They did it so their children would never again be taxed, controlled, and bled dry by a distant elite who saw them as nothing more than revenue sources.
Two hundred and forty-nine years later, that same elite is back.
Only now they don’t wear red coats.
They wear white coats, pin-stripe suits, and congressional pins.
They don’t tax your tea, they tax your insulin, your cancer drugs, and the air you breathe in an ambulance.
They don’t send armies; they send collection agencies and prior-authorization forms.
They don’t hang you for treason, they bankrupt you for getting sick.
And we are being asked to do far less than our forefathers.
They were asked to pick up muskets and march into cannon fire.
We are being asked to open a browser tab, type ten sentences to our representative, share a link, and join a movement that costs less than one Starbucks latte a month. Get this generations Common Sense, Rare Sense to Save America at https://a.co/d/dmxAYjK
That is it.
If the men who froze at Valley Forge were willing to give their actual blood so you could be born free…
If the signers were willing to risk hanging from a British rope so you would never again bow to an unelected aristocracy…
And you are not willing to spend ten minutes sending a pre-written letter demanding the one-page Healthcare Freedom Act…
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If not, then you don’t have the healthcare you want.
You have the healthcare you deserve.
You have the government you deserve.
You have the country you deserve.
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Rare Sense to Save America is nothing less than the modern sequel to Common Sense.
It is the pamphlet for 2025.
It is the declaration that We the People are taking our country back, peacefully, legally, and overwhelmingly.
Our forefathers started with fifty-six signatures.
We start with you.
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Click here right now and add your name to the second American revolution:
https://www.raresenseamerica.com/join
Then send the letter.
Click the counter button to show Congress how many of us are fed.
Then share this page.
Then buy your copy of Rare Sense to Save America at https://a.co/d/dmxAYjK
Then tell your children you were one of the ones who stood up when the price of freedom was the lowest it has ever been in human history.
Because if we cannot find the courage to do this much…
then the blood at Valley Forge, the bodies at Gettysburg, the sacrifices of every generation that came before us were all for nothing.
Don’t let their story end with you scrolling past.
Join Rare Sense America today.
Be the modern Founder your descendants will thank on their knees.
How the Media Keeps the ACA Sacred – Even When It’s Killing Us
Watch any government shutdown fight or budget debate. The second anyone suggests trimming a single ACA subsidy or exchange rule, every major network runs the same chyron within hours:
“Republicans vote to take healthcare away from millions.”
They never mention that ACA premiums have risen by 178% since 2013, while wages have increased by only 31%.
They never mention that the average deductible is now $8,000+ and rising.
They never mention that the “Affordable” Care Act now costs taxpayers over $200 billion a year in subsidies, and that cost is growing.
Instead, the media parrots the talking point that any change equals cruelty.
They did the same thing in December 2024 and again in the March 2025 continuing-resolution fight, fear porn on loop while the same subsidies flow to the same insurance giants who fund the commercials.
The media isn’t ignorant. They are just banking on the fact that you are!
They’re complicit.
They profit from the ads bought by the very industries that wrote the ACA.
The right-wing media is no better (same for GOP). They shout, "Repel and Replace!" but fail to take action as they cash the same checks from the HealthCare Lobbyist.
Follow the Money: The Greatest ROI in American History
The healthcare lobby spent $1.2 billion lobbying for the ACA in 2009–2010 alone, the most ever spent on a single bill.
Since passage:
• UnitedHealth Group revenue: $76 billion (2010) → $371 billion (2024)
• CVS/Aetna revenue: $35 billion → $357 billion
• Cigna revenue: $21 billion → $195 billion
• Hospital-chain profits tripled while charging “facility fees” the ACA never touched
Total industry profit increase since 2010: well over $2 trillion and counting.
They spent $1.2 billion to make trillions.
That is a return on investment of over 1,600-to-1.
Do you really believe they paid that money because the ACA was going to help We the People?
Or because it locked in government-guaranteed revenue forever while prices kept soaring?
Every year since, the same lobby spends another $700–$800 million keeping their golden goose alive.
That’s your money, funneled through Washington right back to the people who made healthcare unaffordable.
Both Parties Are Bought – And They’re Selling You the Same Lie
Democrats scream “Medicare for All” or “protect the ACA” while pocketing the same insurance and hospital cash.
Republicans scream “repeal and replace” every election cycle, then quietly keep every subsidy and regulation once the checks clear.
In 2024 alone:
• The healthcare industry gave $112 million to Democrats
• The healthcare industry gave $108 million to Republicans
The numbers are virtually identical because the game remains the same: keep We the People fighting left vs. right while the lobby cashes out to both sides. Remember the dirtiest trick from Rare Sense to Save America?
The red team says the government is the problem but refuses to touch corporate welfare.
Blue team says corporations are the problem, but refuses to touch government subsidies that go straight to those corporations.
This isn’t a coincidence.
It is elite coordination.
They need us divided, terrified of the other side “taking your healthcare away”, so we never unite to demand the one reform that actually helps citizens and hurts only them. Just check social media, Democrats attacking Republicans, Republicans attacking Democrats and no one asking why is our healthcare so expensive! Rare Sense America's We the People Healthcare Act cures the disease, not another feel-goodism (quote from our book Rare Sense to Save America) to patch a symptom and appease the masses. Don't fall for their lies anymore, your neighbor and fellow citizen isn't the enemy, the big $ paying off DC is!
The We the People Healthcare Act ends the uniparty scam.
It saves $1.95 trillion a year, covers everyone, and takes the profit out of sickness. It isn't Red or Blue, it is Red, White and Blue! The only true fight is We the People against the Elites!
Overcome the Objections the media will use to keep the $ flowing!
How the We the People Healthcare Act Covers the Poor and the Currently Uninsured – Better Than Any Plan in History
The elites and the media will scream the same lie they always do:
“If you move away from the ACA, you’re throwing the poor and the uninsured to the wolves.”
The exact opposite is true.
Here is how the We the People Healthcare Act guarantees 100% coverage for every single American, especially the poorest and sickest, with zero medical bankruptcies and zero rationing:
1. Automatic Full Subsidies for the Poor
Any household under 200% of the federal poverty line ($31,200 for an individual, $64,800 for a family of four in 2025) receives 100% of their catastrophic premium + DPC membership + $5,000 HSA deposit per adult paid directly by the government.
Cost to them: $0. Not a dime.
2. Sliding-Scale Subsidies Up to 400% FPL
From 200%–400% FPL ($62,400 individual / $129,600 family of four), subsidies phase down linearly until the family pays full (but still low) price.
This is more generous than the ACA’s current 400% cutoff and covers far more people at lower total taxpayer cost because the underlying prices are 60–70% lower.
3. No One Falls Through the Cracks
Enrollment is automatic through the existing Medicaid/CHIP infrastructure or tax filing, no complicated exchanges, no open-enrollment windows, no penalties, no paperwork nightmares.
4. The Math on the Poor
• Today: 28 million uninsured + 40–50 million underinsured on Medicaid with 6–12 month wait times for specialists.
• Under this Act, every poor and low-income American gets
• Unlimited primary care (DPC)
• $5,000–$10,000 pre-loaded HSA every year
• True catastrophic coverage with no lifetime limits
. A single mom making $20,000 a year with two kids pays nothing and has $10,000 cash in her HSA every January, more healthcare buying power than most middle-class families have today.
5. Chronic Illness and Pre-Existing Conditions
Catastrophic plans cannot deny or charge more for pre-existing conditions (same as ACA). The HSA covers the $10k deductible for subsidized families, so cancer, diabetes, or heart disease costs them $0 out of pocket.
6. Medicaid Recipients Actually Win. The current Medicaid recipients often can’t find doctors who accept it. Under this Act, they leave Medicaid and get real private coverage + cash in an HSA, they can now see any doctor or surgery center in America.
Result: The poorest 20–30% of Americans go from the worst coverage in the country (or none at all) to the best coverage any nation has ever given its poor, all at a lower total taxpayer cost than the current ACA + Medicaid mess.
No one is left behind.
Everyone is lifted.
And the only people who lose are the insurance companies, hospital chains, and Pharma executives who got rich making the poor wait in line while charging the middle class $42,000 a year.
That’s why they’ll lie about this bill.
And that’s precisely why We the People have to pass it.
Add this section, and the pillar is now airtight against the inevitable “but what about the poor?” attack.
But we can just do Medicare for All, everyone gets coverage and the Money still flows to the elites!
We the People Healthcare Act vs. Medicare for All – The Real Comparison
The loudest alternative you’ll hear is Medicare for All. This Bernie Sanders-style single-payer plan eliminates private insurance and puts the government in charge of every doctor and hospital bill. So let’s put the two plans side by side with the actual numbers.
The We the People Healthcare Act is a hybrid system: every American gets private catastrophic insurance, a $5,000 annual HSA deposit, and cash-based primary care, with full government subsidies for anyone under 200 percent of poverty and sliding-scale help up to 400 percent of poverty. Over the next ten years, it adds roughly $12.5–$15 trillion to federal spending for those subsidies, but it slashes total national healthcare spending by $19.5 trillion because prices collapse across the board. By the mid-2030s, the country will spend only 10.8–11.2 percent of GDP on healthcare – the same range as Switzerland and Singapore – and the average family of four will pay about $6,000 a year instead of $42,000.
Medicare for All, as written in Sanders’ S.1129 bill, is pure single-payer: the government becomes the only insurer, private insurance is outlawed for core services, and there are no premiums, deductibles, or co-pays. The most rigorous estimates (Mercatus Center, Urban Institute) put the ten-year federal cost at $32–$34 trillion – more than double what the We the People plan costs the Treasury. Even in the rosiest scenarios, it saves only $0–$2 trillion nationally because utilization explodes when everything is “free.” In realistic scenarios, total spending could actually rise to 16–20 percent of GDP, higher than today.
An average middle-class family making $110,000 under the We the People plan pays $6,000 a year and gets $10,000 pre-loaded into their HSA every January. Under Medicare for All, that same family pays zero out-of-pocket – but funds it through an estimated $10,000–$15,000 a year in new payroll or income taxes. People with low incomes and previously uninsured do far better under the We the People plan: they get real cash in an HSA and can see any doctor they want instead of waiting months on Medicaid or facing Canadian-style queues under single-payer.
Outcomes tell the same story. Nations that use the Singapore/Swiss hybrid model copy average 83+ years of life expectancy with zero medical bankruptcies. Single-payer nations average 80–82 years and often face long wait times for non-emergency care. In short, the We the People Healthcare Act delivers universal coverage, lower taxes, lower total spending, better outcomes, and actual patient power. Medicare for All would provide universal coverage at a $32 trillion cost, with higher total spending and government rationing.
One plan empowers citizens and bankrupts the lobbyists.
The other empowers bureaucrats and bankrupts the country.
You now have the facts. Choose wisely.
“But Hospitals and Doctors Will Just Leave!”
Critics will scream that capping prices at 150 percent of Medicare rates will drive every hospital and doctor out of business. Reality tells the opposite story. Singapore caps charges at roughly 120 percent of its public rates and has more hospital beds per capita than the United States, with zero doctor shortages. The Surgery Center of Oklahoma has charged 30–40 percent of typical hospital prices for twenty-five years and has a waiting list of surgeons who want to join. Doctors flee states with Medicaid rates at 60–70 percent of Medicare, not places that pay 150 percent. When every patient can actually pay their bill (because every patient has cash or real catastrophic coverage), hospitals and doctors make more money, not less. Rural and inner-city facilities that lose millions today on uninsured patients become profitable overnight.
“Millions of Insurance-Company Jobs Will Be Lost!”
UnitedHealth, CVS/Aetna, and Cigna together made more than $70 billion in profit last year. They’re not going anywhere; they’ll pivot to selling the new low-cost catastrophic plans and administering HSAs, a market that will still be hundreds of billions of dollars. Yes, some middle-management billing jobs will disappear, just like travel agents disappeared when the internet arrived. That’s called progress. The same people who today fight claims for a living will process HSA reimbursements or help customers shop for transparent prices. The net result: fewer bureaucrats denying care, more Americans keeping the money they used to send to insurance giants.
“Rural Hospitals Will All Close!”
Rural hospitals are closing right now, more than one a month, because Medicaid pays pennies and uninsured patients can’t pay at all. Under the We the People Healthcare Act, every single patient walks in with either cash in an HSA or real catastrophic coverage. Texas and Oklahoma cash-only surgery centers thrive in counties with fewer than 20,000 people. When every patient can pay, rural hospitals go from bleeding red to posting black ink. The same facilities that lose $20–$50 million a year in bad debt today become profitable community anchors again.
“This Will Never Pass – Both Parties Are Bought!”
Exactly. That’s why We the People don’t ask permission. We force it. One million citizens emailing, mailing, and tweeting the same one-page bill to their representative in the same week creates a tsunami no lobbyist can stop. It’s how the 27th Amendment (congressional pay raises) sat dormant for 202 years and then passed in 1992 when citizens woke up. It’s how term limits pass in state after state when citizens put them on the ballot directly. The healthcare lobby spent $1.2 billion to pass the ACA and another $800 million a year to protect it. They can’t outspend one million angry Americans who finally have a simple, proven plan that saves them $15,000 a year. They either co-sponsor or we primary them with someone who will. The bill is ready. The people are prepared. All that’s missing is the click.
The We the People Movement – What Happens When We Win All Three Pillars at Once
This healthcare plan doesn’t live in a vacuum. It is a part of a series of We the People Rare Sense reforms aimed at taking back our country from the Elites!
When We the People force through (first 3 of the series):
1. The We the People First Act (ends elite capture)
2. The We the People Healthcare Act (saves $1.95 trillion a year and ends medical bankruptcies)
3. The Fiscal Responsibility Pillar (coming next week – eliminates the deficit by 2030 and pays off the entire $38 trillion debt by the mid-2030s using the same citizen pressure.
…America changes overnight.
Your family keeps an extra $15,000–$20,000 every single year from healthcare savings alone.
Your taxes drop dramatically as $1.95 trillion in healthcare waste plus another $2–$3 trillion from the fiscal pillar flow back to citizens instead of Washington and Wall Street.
Interest rates collapse when the debt disappears – 3% mortgages and 4% car loans become normal again.
Social Security and Medicare become permanently solvent without cutting a single benefit or raising the retirement age.
Your kids inherit the first debt-free America since Andrew Jackson – with the strongest economy on earth because capital is no longer sucked into interest payments and bureaucratic bloat.
This isn’t utopia.
This is arithmetic + citizen power.
One million Americans forcing three one-page bills is all it takes.
Stop the Insanity – Join Rare Sense America Today or Keep Complaining Forever
Albert Einstein defined insanity as doing the same thing over and over and expecting different results.
For 30 years, we’ve complained about healthcare costs, the debt, and politicians who never keep their promises.
We’ve yelled at the TV, posted memes, and voted harder – and every year it gets worse.
Rare Sense America is the cure for the insanity.
Join as a paid member to help the fight or free to get our newsletter and stay up to date!
When you sign up at RareSenseAmerica.com, you get:
• Instant access to all three one-page bills the moment they drop (and future ones)
• Pre-written emails to send your representative with one click
• Real-time tally of how many citizens have already sent each bill (watch the counter climb to one million)
• Private community of doers, not complainers
You can keep scrolling, keep complaining, and keep wondering why nothing changes.
Or you can click below right now, join in ten seconds from now, and become one of the citizens who actually saved the country.
The choice is yours.
History is watching.
https://www.raresenseamerica.com/join
[Or keep doing the same thing and stay insane.]
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What People Can Do NOW (While the Lifetime Lobbying Ban Text Campaign Is Running)
Our ResistBot text campaign is currently focused on the Lifetime Lobbying Ban, the foundation that makes all other reforms possible.
While that runs, you can take immediate action on healthcare:
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Call Your Representative & Senators (most effective) Use https://www.callmycongress.com or https://www.congress.gov/members to get live office numbers. Script: “I’m a constituent from [City]. I demand [Name] co-sponsor the We the People Healthcare Act to end medical bankruptcies and save families $16,000/year. Will they commit today?”
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Email Using Our Ready Template (copy-paste) Use the template in the post, personalize and send via Congress.gov contact forms.
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Mail a Physical Letter (highest response rate) Print the template + the one-page bill and mail to their district office.
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Post on X / Social Media Tag your rep/senators with the OpenSecrets link showing how much healthcare money they took.
Every call/email/letter adds pressure. When the lobbying ban passes, we switch the text campaign to healthcare, and the floodgates open.
Do it today. Your family can’t wait another decade.
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