The American Health Freedom Plan

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Guaranteed Protection for Every Family

No family should lose coverage because of their health.

• Coverage for preexisting conditions is guaranteed with continuous coverage
• Automatic bridge coverage during life disruptions (job loss, illness, transition)
• No cancellations or denials during hardship

👉 Security without expanding federal bureaucracy

Portable, Personal Healthcare

Healthcare should move with you—not trap you.

• Individuals and families own their insurance plans
• Keep your plan when you:
  • Change jobs
  • Start a business
  • Transition out of federal employment
• Reduce dependence on employer-based coverage

👉 Ends “job lock” and supports career mobility

Real Competition Across State Lines

Increase choice. Lower prices.

• Purchase insurance plans nationwide
• Expand plan options beyond limited local markets
• Break up regional monopolies and reduce premiums

👉 Competition drives affordability

Health Ownership Accounts (Expanded HSAs)

Empower families to control healthcare spending.

• Increase contribution limits for HSAs
• Allow funds to be used for:
  • Insurance premiums
  • Doctor visits
  • Prescription drugs
  • Mental health services
  • Dental and vision care
• Tax-free growth and use

👉 From dependency to ownership

Targeted, Temporary Safety Net

No one falls through the cracks.

• State-administered assistance during:
  • Job loss
  • Major illness
  • Financial hardship

Guardrails:

• Time-limited support (not permanent entitlement)
• Focus on returning individuals to independence
• Block-grant structure to states for flexibility and accountability

👉 Compassion with responsibility

A Stable Transition—No Disruption

Change should not create fear.

• If you like your current plan → you keep it
• Gradual, voluntary transition into the new system
• Employers can opt in over time

👉 Reform without chaos

Lower Prescription Drug Costs

Americans should not pay more than the rest of the world.

• Benchmark drug prices against international markets
• Increase generic and biosimilar competition
• Reduce the role of middlemen (PBMs)

👉 Immediate relief at the pharmacy counter

Real Price Transparency

No more surprise bills.

• Require upfront pricing for non-emergency care
• Standardized, easy-to-understand pricing formats
• Strong enforcement and penalties for non-compliance

👉 Know the cost before you receive care

Expand Direct Primary Care

Simplify healthcare at the front line.

• Encourage membership-based care models
• Reduce administrative burden and insurance barriers
• Increase access to routine and preventative care

👉 Better care at lower cost

Protect the Most Vulnerable (High-Risk Pool System)

Support those with the highest medical needs.

• State-based “invisible risk pools” for high-cost patients
• Funded through:
  • Insurer participation
  • State innovation funding
• Backed by a targeted federal reinsurance layer to ensure stability

👉 Lower premiums for everyone while protecting the most vulnerable

Empower Small Businesses & Workers

Unleash economic opportunity.

• Allow small businesses and independent workers to band together
• Expand access to large-group pricing advantages
• Decouple healthcare from employment constraints

👉 Supports entrepreneurs and job creators

How This Plan Helps Low-Income Families

This plan is designed to lift people up—not trap them in dependency.

• Lower costs through competition and transparency
• Guaranteed protection for preexisting conditions
• Temporary, targeted assistance during hardship
• Affordable access to primary care
• Financial tools (HSAs) to build long-term stability

👉 A path to independence—not permanent reliance