Built to cost less.
Put your money toward your health. Negotiate fair prices, cut waste, and use achieved savings to strengthen reserves and lower future coverage costs.
See the cost research
AMERICAN HEALTHCARE. BUILT FOR AMERICANS.
100% coverage.
Medical. Dental. Vision.
All of it.
One nonprofit health fund. Complete coverage for medically necessary care. No deductibles. No copays. No shareholder payouts.
One fund. One clear benefits package. You focus on your health. The fund handles the bills.
THE PROPOSAL A vision for nationwide healthcare, now in development as a thought experiment. Coverage and enrollment are not yet available.
✓ No deductibles or copays✓ Pre-existing conditions covered✓ Coverage stays with you✓ 100% open financial books
01 / THE BENEFITS
Less hassle.
More care.
Healthcare should be easy to use, easy to understand, and easy to administer. One clear plan for everyone. That’s the commitment behind the proposed fund.
Complete care. Same for everyone.
Medical, dental, vision, mental health, prescriptions and more. Everyone gets the same comprehensive benefits. One clear answer to “What does my plan cover?”
Explore the coverageNo out-of-pocket math.
No deductibles, copays or coinsurance for covered care. Your coverage payment helps fund 100% of medically necessary care, so you can focus on getting better instead of calculating your share.
See what’s includedLess paperwork. More living.
A simple enrollment process. Clear questions in everyday language. The goal: provide essential information once, keep it up to date, and let the fund handle claims and billing.
See the simpler experienceKnow your coverage. Get on with life.
One published benefits package and easy-to-use member tools. No comparing plan tiers or spending hours on hold to decode your coverage. Human help when you need it.
Start with what’s coveredThe fund handles the provider puzzle.
The goal: the same covered benefits wherever you receive care, without in-network and out-of-network benefit tiers. The fund coordinates with providers and takes on billing disputes for you.
How the fund stands beside youOur blueprint for better healthcare. These benefits are proposed; launch and pricing depend on a validated funding model, care agreements and required approvals.
02 / THE COST
Your coverage.
Your monthly cost.
Pay for comprehensive healthcare coverage at a price tied to your income. The proposed benefits stay the same for every member: medical, dental, vision, mental health and prescriptions.
How the example works: the first $25,000 of income is exempt. At the starting 6% rate, $65,000 in annual income works out to $200 a month for coverage. Try your income below.
Start with your income
$0$500,000
0%35%
The slider limit is not a recommended rate. Changing your example income changes its payment; changing the rate changes everyone’s payment and national revenue.
YOUR COVERAGE · EXAMPLE PRICE
Monthly coverage payment
$200/ month
$65,000 annual AGI · 6% above $25,000
The proposed coverage: medical, dental, vision, mental health and prescriptions. No deductibles or copays for covered care.Explore the proposal—not a price currently available to buy. The 6% rate and $25,000 income exemption are model assumptions, not established insurance prices. The research uses 2023 IRS income data. This calculation is per tax return, which may represent several people; individual age-and-income rates and a sustainable care budget still need validation.
See what these payments could fund—and the costs still to validate ↓03 / COMPASSION · GIVE A LITTLE MORE
Help someone else
get care.
Your monthly payment covers you. An optional donation could help someone else afford the same care.
Members would be able to make an optional donation in addition to their healthcare payment. Gifts would support financial assistance through the Compassion Program, with applications considered case by case.
Generosity brings us together.
Give because you want to help. Every member receives the same comprehensive benefits, with care prioritized by medical need. Giving is always your choice.
Help fund care. Potentially lower your taxable income. Eligible gifts to a qualified Compassion Program charity could be tax-deductible. Establishing that charity is part of the plan.
Explore the potential tax benefits ↓
ONE EXAMPLE · NOT AN INSURANCE QUOTE
A little extra. A helping hand.
- Monthly payment for coverage
- $200/ month
- Optional Compassion Program gift
- $50/ month
- Total monthly payment
- $250
$600 in voluntary gifts over a year.
This separate example uses the calculator’s starting illustration: $200 for coverage plus a $50 optional gift. Coverage payments and optional gifts would have separate records; your gift supports assistance while your required coverage payment and benefits stay the same.
Part of the proposed fund. Giving will open only after the charitable structure is established.
Give more. Explore a potential tax deduction. +
We aim to establish a separately qualified charity for Compassion Program gifts. Eligible donations could reduce your taxable income, subject to tax rules and your circumstances. Charitable status must be established before this benefit can be offered.
Coverage payments and charitable gifts would be kept distinct. IRS rules account for the fair market value of benefits received; simply paying extra does not establish a deduction. Legal and tax review would guide the arrangement before launch.
The charity would direct assistance case by case and provide donation acknowledgments. Gifts would support its charitable mission rather than a donor-designated individual. A deduction reduces taxable income, not taxes dollar for dollar.
IRS charitable contribution guidance ↗ · IRS rules for payments that include benefits ↗
04 / VOLUNTEER · SHARE YOUR SKILLS
Give your time.
Make a difference.
Helping doesn’t have to mean giving money. Share your skills, support your community, and help make healthcare easier to understand.
Ways you could help
Support community outreach and educational events. Help improve the clarity and accessibility of public information. Contribute to public-source research and resource guides. Roles would be supervised and matched to volunteers’ skills.
Volunteer roles would support charitable work such as Compassion Program outreach. Paid professionals would handle insurance operations and medical, coverage and assistance decisions.
LEARN & GROW
Experience you can build on.
The proposed program would offer orientation, role-specific training, verified service-hour records and supervisor feedback. Useful experience, with a clear record of what you contributed.
EDUCATION
Explore college credit.
We would seek service-learning partnerships with colleges and universities. Your school decides whether an experience earns credit and sets the coursework, supervision and documentation requirements.
Start by asking your school about credit approval. Partnerships and credit arrangements are still to be developed.
EXPENSES & TAXES
Your expenses may qualify.
Eligible unreimbursed volunteer expenses may qualify for a tax deduction when serving a qualified charity. Keep records of qualifying supplies and travel.
Deductions cover eligible expenses, not your time or lost earnings. Reimbursed costs are excluded; eligibility depends on tax rules and your circumstances.
Give your time. Share the same great care.
Volunteer in a way that fits your life. Whether you give your time or simply belong, you receive the same comprehensive benefits, with care prioritized by medical need. Volunteering is optional and separate from your required coverage payment.
How would the volunteer program work? +
We would build a supported volunteer experience: clearly defined charitable roles, training, supervision and service records. Labor-law review would help ensure each role qualifies for genuine volunteering; academic credit alone does not determine whether an unpaid role is lawful.
We would explore reimbursement of approved expenses to help make participation accessible. Expense policies and charitable status are still to be established; any spending should wait for clear approval and guidance.
Students would work with their school to secure credit approval and document their experience. ASU’s service-learning program illustrates how a school can structure this process; it is an example, not a current AmericanHealthFund partner.
IRS guidance on volunteer expenses ↗ · Department of Labor volunteer guidance ↗ · Example: ASU service-learning credit ↗
This volunteer program is part of the proposal. Applications will open after roles and support are in place.
05 / THE DEEPER DETAILS
Follow the numbers.
Explore the plan.
The research, assumptions and commitments behind the idea. Start with the funding math, then explore coverage, simpler administration, collective power and member oversight.
Follow the dollars
($65,000 − $25,000) × 6% ÷ 12 = $200/month.
$11.975 trillion of income above the allowance × 6% = $718.5 billion/year.
✚
Affordable for you. Reliable when you need it.
Your price needs to be affordable, and your coverage needs reliable funding. Together, member payments must cover care, operations and reserves. A progressive scale asks higher incomes to carry more of the cost.
No automatic employer payments or government transfers are included. Age, citizenship and family composition are not modeled here. Preexisting conditions would never raise a member’s coverage cost.
02 / DOES IT FUND THE CARE?
Revenue across tax filers
$719B/ year
Applying the same rate and allowance to the full 2023 IRS income distribution, assuming full participation and collection.
The funding side of the equation. Care costs are tested below.Source: IRS SOI Table 1.2, tax year 2023 ↗. A return is not an individual citizen. Filers include noncitizens; nonfilers are omitted. These are historical funding tests, not 2026 rates or an enrollment offer.
THE BUDGET TEST
What would different budgets require?
With the same $25,000 allowance, these rates would raise the stated budgets from the 2023 income base. The budgets are tests—not estimates of what comprehensive care will cost.
| Annual budget to fund | Rate above $25,000 | Monthly at $65,000 AGI |
|---|---|---|
| $1 trillion | 8.35% | $278 |
| $2 trillion | 16.70% | $557 |
| $3 trillion | 25.05% | $835 |
Rates and payments are rounded separately from the full-precision calculation. Rates apply only above the allowance.
Could a $65,000 earner still pay $100/month? +
Yes, arithmetically, if more revenue comes from higher incomes. Use a separate 3% base-rate scenario, then add a payment only on income above $200,000 per return.
For a $2 trillion test budget, the additional rate would be 39.20% above $200,000—a total marginal payment rate of 42.20% on that portion of income. The $65,000 example stays at $100/month.
This is a tradeoff to examine, not a proposed rate. It assumes full collection, on top of existing taxes. A voluntary fund cannot assume all higher-income members will join. The full analysis shows the calculation.
WHERE THE MONEY GOES TODAY
Separate care payments from insurance overhead.
CMS reports $5.279 trillion in national spending in 2024, before any proposed reforms.
| Spending category | 2024 actual |
|---|---|
| Personal healthcare: hospitals, clinicians, drugs, dental and other care | $4.510T |
| Nonmedical insurance expenditures | $306.0B |
| Government administration | $66.1B |
| Government public health | $157.6B |
| Investment | $238.7B |
Care payments contain provider overhead and margins; they are not a minimum necessary cost. Insurance spending includes more than profits. A replacement fund needs operations, and public health or investment costs still need funding somewhere. Components may differ from totals due to rounding. CMS NHE tables ↗
What does $100/month from 320 million people cover? +
It raises $384 billion annually: 9.2% of the $4.163 trillion spent on personal healthcare in 2023. Relative to that historical subtotal, reaching $384 billion means a 90.8% reduction, before fund operations, reserves and newly met needs.
This is a scale comparison, not a citizen-specific actuarial calculation. Historical spending includes noncitizens; 320 million is the proposed enrollment assumption. The research does not establish that $384 billion can buy comprehensive care nationwide.
Where we would pursue real savings
Negotiate care prices.
Compare equivalent services, negotiate contracts and test whether providers can deliver sustainable care.
Challenge drug markups.
Expose acquisition prices, fees and rebates. Count each saving once, with replacement logistics included.
Simplify administration.
One benefits standard, consistent billing rules and simpler claims. Less repetitive work for care teams and administrators, with funded legal advocacy and patient support.
The FTC documented substantial markups in studied specialty generics—not a universal savings rate. FTC findings ↗. Government single-payer studies account for increased use of care; they do not validate a private fund’s rates. CBO analysis ↗.
All the research. All the assumptions.
Read the full analysis, compare international systems, and inspect the calculations.
Research dated October 16, 2026. The individual age-and-income formula, care contracts, expanded-benefit costs and reserve policy remain to be established.
ONE FUND. THE WHOLE PACKAGE.
Your health.
Covered.
Medical, dental, vision, prescriptions, and more. One comprehensive benefits package for every member, at every income level.
01Medical & emergency care
Primary care, specialists, hospital stays, surgery, and emergency treatment.
02Dental, vision & mental health
Mental healthcare, dental, vision, rehabilitation, and long-term care.
03Care at every age
Preventive care, maternity, fertility treatment, and care as you age.
04Prescription medications
Clinically necessary prescriptions, with dedicated teams negotiating prices and exploring lawful, quality-assured international sourcing.
LESS RED TAPE. MORE TIME FOR PEOPLE.
Healthcare should be simple.
For everyone.
Getting care shouldn’t require a crash course in insurance. Our design goal is simple: make the system do the work, so people don’t have to.
FOR MEMBERS
One plan. Clear answers.
The same comprehensive coverage for everyone. One clear monthly payment for your coverage. No deductible tracking, copay calculations or different levels of benefits to compare. Simple forms and support from a real person.
FOR DOCTORS & CARE TEAMS
More time to care.
One published benefits standard. One straightforward way to work with the fund. The aim: fewer plan-specific rules, fewer duplicate requests, and less time chasing billing answers.
FOR ADMINISTRATORS
Consistency makes work easier.
Standard forms, consistent claims requirements and clear payment processes. Build the system around shared information and fewer handoffs, so staff can resolve issues instead of passing them along.
Your care comes first. The fund handles the complexity.
Provider coordination, claim questions and disputed bills belong with the fund’s support and advocacy teams. Members deserve help getting care, not a second job managing insurance.
How would provider access and paperwork work? +
The proposal uses one benefits standard, with no separate in-network and out-of-network benefit tiers. Provider participation still requires agreements; the fund cannot promise that every doctor or hospital will accept it. Member support would help arrange care and resolve billing issues. In an emergency, the founding commitment is to pay for the member’s care even when the provider does not accept the fund, then handle the dispute.
Simple administration means asking only for information needed to enroll, coordinate care and process payments. Medical records, consent and necessary clinical review still have a place, with clear explanations and an appeals process. The forms, provider agreements and workflows would be developed before launch.
YOUR HEALTH COMES FIRST.
Your money pays for care.
Not shareholders.
AmericanHealthFund imagines a private, nonprofit health insurer operating nationwide for U.S. citizens. Members fund care together. Doctors and nurses govern it. Every member shares the same commitment to comprehensive care.
Coverage costs reflect age and income, never a pre-existing condition. Losing a job doesn’t mean losing coverage. When costs fall and reserves are sufficient, next year’s coverage costs fall too.
Read the founding principles ↗MORE MEMBERS. MORE POWER.
Together, we can
change the rules.
One person can struggle to challenge a healthcare bill. Millions of people pooling their money and raising their voices could change what the system delivers—and who it serves.
AT THE NEGOTIATING TABLE
More buying power.
A growing membership brings a larger pool of healthcare spending to the table. Use that collective purchasing power to negotiate fair medication and care prices, demand transparent contracts, and pursue better value for every member.
THROUGHOUT THE SUPPLY CHAIN
Cut out costly middlemen.
Challenge hidden fees, inflated markups and layers that add cost without improving care. Pursue direct purchasing where practical and transparent pharmacy agreements, while paying fairly for essential dispensing, safety and delivery services.
WHERE LAWS ARE MADE
A stronger voice for people.
A larger membership can give patients and taxpayers a stronger platform. Advocate for laws that make prices visible, strengthen competition, protect access to care and put public benefit ahead of corporate advantage.
Your membership could help more than your own household.
The ambition is bigger than a better insurance plan: a healthcare system accountable to the people who use it and pay for it. Greater scale gives the fund more opportunities to pursue that change. Achieved savings strengthen reserves and lower future coverage costs.
Real leverage. Open books. Member oversight. +
Membership growth can strengthen purchasing and advocacy efforts, but savings and legislative results depend on contracts, market conditions and public decisions. We would report the results, not assume a guaranteed discount or political outcome.
The pricing problem is documented. In its January 2025 interim staff report, the FTC found markups of hundreds or thousands of percent on numerous specialty generic drugs dispensed by the three largest pharmacy benefit managers’ affiliated pharmacies. Those findings support scrutiny of specific practices; they are not a savings estimate for all medications. Read the FTC findings ↗
Advocacy priorities, policy positions, spending, outside contracts and results would be disclosed to members and overseen through the member-accountable board. The goal is patient-focused policy, with a clearly identified advocacy budget. Compassion Program charitable gifts would remain dedicated to assistance.
The fund’s legal structure and any lobbying would be reviewed before launch. A separately qualified charity has its own restrictions on lobbying; nonprofit status alone is not permission for unlimited political activity. IRS guidance on charitable lobbying ↗
YOUR MONEY. YOUR RIGHT TO KNOW.
Know where
every dollar goes.
Every member would have access to the full financial books: provider payments, contracts, salaries, legal costs, administration, and reserves. Patient medical information stays private.
100%FINANCIAL TRANSPARENCY
THE FOUNDING COMMITMENT
THE FOUNDING COMMITMENT
What would members see?
PROPOSED DISCLOSURES01 Compare the same procedure− / +
Prices by hospital and provider, with service codes, included services, location, and clinical complexity explained. Clear context would help members make meaningful comparisons.
02 Follow medication spending+
Acquisition prices, manufacturer price changes, rebates, logistics costs, and net spending. Show where negotiation saves money and where prices rise.
03 Inspect operating expenses+
Compensation, vendor contracts, administration, legal advocacy, and logistics spending. Financial access would preserve patient privacy and necessary legal protections.
04 Track the reserve+
The reserve balance, target, additions, and drawdowns. The annual coverage-cost calculation would explain how savings reduce future payments after reserve needs are met.
05 Hold providers accountable+
A verified public record of providers declining the fund, billing members directly, and disputed charges, with provider responses and outcomes. Refusal of insurance and refusal of care would be distinguished.
The blueprint for open books: real records, clear explanations and member oversight.
THE FOUNDING CHARTER
A different set of rules.
Led by caregivers. Answerable to you.
The elected board consists of doctors and nurses with at least 20 years in the medical profession and a proven record of patient care. Elections every two years. A 20-year lifetime board-service limit.
Expertise serves the mission.
The board hires business professionals and consultants. Board financial conflicts are disclosed, and members recuse themselves from decisions involving their financial ties.
Your coverage belongs to you.
Nationwide eligibility for U.S. citizens. Membership is independent of employment. Members can leave workplace coverage to join; unemployment does not end membership.
A helping hand when life gets hard.
Members can apply to the Compassion Program for financial assistance. Circumstances are evaluated case by case, with the same comprehensive benefits. Explore optional giving →
The fund stands beside you.
In an emergency, the fund pays for the member’s care even when a provider doesn’t accept the fund, then handles the dispute. A proposed member app would help locate participating providers, including during emergencies. A dedicated legal team challenges unlawful billing and seeks recovery where legally justified.
Lower costs flow back to members.
A published formula automatically sets coverage payments annually using care costs, operating expenses, and reserve needs. Savings maintain the reserve first, then reduce future coverage costs.
LET’S BUILD A BETTER WAY
Your health.
Your money.
Your fund.
Healthcare should help you live your life. Explore the plan, follow the numbers, and help imagine a system built around people.
See how it could work ↗The path from idea to reality
Actuarial pricing and affordability; reserve targets and startup funding; provider contracts; clinical eligibility and appeals; applicable insurance law; lawful drug sourcing; and how existing government entitlements interact with membership. Retaining government payments members are entitled to is a design goal, subject to each program’s rules.