Guaranteed Protection for Every Family
No American should lose access to healthcare because of a medical condition or temporary hardship.
My plan guarantees access to coverage for individuals with preexisting conditions while promoting stability, affordability, and personal responsibility.
The American Health Freedom Plan includes:
- Protection for Americans with preexisting conditions
- Automatic bridge coverage during job loss, illness, or financial hardship
- Temporary hardship protections to prevent coverage disruptions
- Incentives for maintaining continuous coverage to help keep costs lower for everyone
This approach protects vulnerable families without forcing Americans into a one-size-fits-all government healthcare system.
Guaranteed Access After Hardship
No American will be permanently denied access to healthcare because of job loss, illness, financial hardship, or a lapse in coverage. Individuals facing prolonged hardship will retain guaranteed access to coverage options and may qualify for temporary hardship protections while they regain financial stability.
How do we pay for it
- Redirect portions of existing healthcare spending
- Reduce uncompensated care costs
- State-administered stabilization programs
- Insurer participation assessments
- Catastrophic reinsurance funding
- Savings generated through competition, transparency, and lower healthcare inflation
The goal is not to spend more taxpayer dollars. The goal is to spend smarter while lowering healthcare costs.
- 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
