I’m just a bread-man by day but I know healthcare costs everyone a lot of dough. Insurers claim its just increased costs for care but I’m here to tell you we’re being fed a stale loaf.
We’ve all lived through it. The gut-punch of a medical bill that would buy a house in today’s economy. The frantic scramble to figure out if your insurance actually covers life’s latest crisis. The terror of a sudden diagnosis and the unpredictable future it brings. Knowing that even if you beat the illness, the debt incurred may just finish you off.
It’s time to stop the madness. It’s time for a healthcare plan that makes sense. That’s actually affordable, and that treats your entire body, not just the parts your insurance decides are profitable to cover. That doesn’t just reward wealthy gamblers betting on your health.
That’s why we’re introducing the “One Body, One Plan” Act.
This isn’t just a bill. It’s your new peace of mind.
America has the best doctors and nurses in the world. But our system is broken. It’s designed to enrich massive corporations, CEO’s and shareholders; not keep you healthy. We’re changing that, not by tearing everything down, but by making the best parts of our system work for everyone.
The Game Changer: You, Your Doctor, & “One Body” Coverage.
First, let’s talk about what this means for you, right now:
- Your Entire Body, Finally Covered: Remember how Traditional Medicare and private insurance ignores your teeth, eyes, and ears? Requiring separate costly add-on packages that still only cover bare minimum. That’s insane. Your mouth isn’t separate from your body. Your vision isn’t disconnected from your body. Your hearing isn’t transmitted from outside the body. Under “One Body One Plan,” comprehensive dental, vision, and hearing are standard. Included as the natural extension of the body and healthcare; not an optional accessory for upgrade. No more crippling dental bills. No more choosing between new glasses and groceries. This isn’t some cheap add-on like those flaky Medicare Advantage plans that promise big and deliver little. This is real, comprehensive care, from your yearly cleaning to major work like root canals and hearing aids. No changes to doctors, no changes to your plans. Just coverage that should have always been their to begin with.
- No More Deductible Terror: This is HUGE. Right now, even with insurance, one bad accident or a cancer diagnosis can leave you on the hook for tens of thousands of dollars before your deductible threshold breaks. That’s a scam. Designed entirely to line the pockets of the insurance companies you hired for just such an occasion. Our plan says: there will be an Annual Out-of-Pocket Maximum. Hit that cap, and your plan covers 100% of everything else. Period. No more financial ruin for getting sick. No more catastrophic financial ruin for biological luck of the draw.
- Your Doctor, Not Your Employer: We’re breaking the chains of “job lock.” Your health insurance should not be tied to your job it should be tied to you, the insured. Under “One Body One Plan,” you can buy into an affordable, comprehensive Medicare plan. It doesn’t matter whether you’re working for a big company, gigging, or striking out on your own. It gives you the liberty to live your life freely without the fear of losing your doctor or your health.
The Best Part? It’s Affordable for EVERYONE.
I know what you’re thinking: “Sounds great, but how much is that going to cost me? What’s the catch?”
The reality is we designed this reform to be comprehensive, affordable and not add a dime to the national debt.
- For Low-Income Families: If you’re struggling, you could get comprehensive coverage for as little as $0 to $150 a month. That’s not a typo. That’s real, affordable healthcare.
- For Everyone Else: Your premium will be dramatically lower than what most folks are paying for worse private plans. Why? Because we’re using the sheer buying power of Medicare to force providers to charge fair rates. That means no more inflated prices just because you have private insurance. We’re anchoring costs to what Medicare actually pays. What tests and procedures and access actually cost and that’s a game-changer. No more padding profits with hidden micro-transaction fees.
- How We Pay For It (No More Excuses): We’re doing this by being smart, not by hiking your taxes. We’re cutting out billions in wasteful overpayments to private Medicare Advantage plans (yes, the government literally overpays them). We’re eliminating administrative bloat. And yes, the ultra-wealthy (>50 million in net worth) will contribute a tiny fraction of their fortunes—a mere 0.33%. This is not only because they can afford it but they’ve profited the most from the old system. Staying true to our working within the system credo the wealthy also benefit the most from a stable healthy society. A small, shared payroll tax (.11%) also helps build this stable sustainable healthcare fund.
The “Rising Tide” Effect: Why This Helps You Even If You Keep Your Current Plan
I know what some of you are thinking: ‘Ben, I actually like my work insurance. Why should I care about everyone elses’ healthcare?’ It’s a simple truth: This plan helps you even if you never sign up for it. A promise the ACA made that was never fully realized. We’re realizing it today but not inviting corporate interests to the debate; they’ve lost that right. It’s what ruined the ACA. Right now, private insurance companies charge you a fortune because they can. Money you’ll likely never see as a benefit payment. Money that will likely go to a stock dividend or CEO pay. All because they have no real competition.
The second we launch this Medicare Public Option, every private insurer in America is suddenly staring down a new competitor. One that is leaner, fairer, and cheaper and completely mobile. They’ll be forced to lower their premiums and cut their own ‘denial-of-care’ bloat just to stay competitive with our plan. We do this by driving down the cost of care across the board with our Price Anchor. We are removing ballooning backend fees. We eliminate inflated procedural costs designed for profit margin gains. All those lil’ surcharges on your bill that nickle and dime every transaction. By doing this, we are effectively lowering the cost of healthcare for every American.
Whether you join our plan or stay with yours, the ‘One Body One Plan’ Act will save you money. It’s a financial priority realignment in healthcare. Because the money you spend on your healthcare should be spent on healthcare. Either for yourself or another subscriber. Not increasing profit margins of a corporation, being spent to deny coverage to other subscribers or a callus CEO being rewarded for denying you care. The OBOPA functions like a system regulator keeping a baseline of cost that will pull down prices for everyone. Stabilizing healthcare costs for the foreseeable future for all citizens. Even if you don’t support ‘OBOPA,’ you’re going to love the ‘OBOPA’ discount on your monthly bill.
The “Price Anchor” Explained: Ending the Healthcare Wild West
Imagine walking into a grocery store to buy a gallon of milk.
- In Aisle 1, if you’re a senior on Medicare, it costs $3.50.
- In Aisle 2, if you’re a worker with private insurance, it costs $12.00.
- In Aisle 3, if you’re uninsured, it costs $45.00.
It’s the exact same milk. This is exactly how the hospital system works today. They charge private insurance “Aisle 2” prices to make up for the “Aisle 1” Medicare rates and to extract maximum profit from you.
The OBOPA “Price Anchor” changes the rules: It says there is only one aisle. We mandate that for the Public Option, a procedure costs what it actually costs to perform—the Medicare rate.
How this pulls down YOUR private bill:
When the Public Option sets the “Anchor” at $3.50, your private insurance company (who is currently paying $12.00) has a problem. They can no longer tell you that a $1,200/month premium is “the best they can do” when you can see a $400/month public plan sitting right next to it.
To keep you as a customer, your private insurer is forced to go back to the hospitals and say, “We aren’t paying $12.00 anymore. We’re paying $4.00.” Because if they don’t, you’ll walk. The Anchor doesn’t just lower our price; it drags their price down with it. Don’t worry about the healthcare system having to eat these costs. The 3.50 – 4 dollar costs used in this example are often already margined for cost and profit. We’re just limiting the gouging power of the middleman and padding your wallet for once.
Why the ACA Failed Where We Succeed
The ACA (Obamacare) tried to fix this with “Profit Caps” (the 80/20 rule). It told insurance companies they had to spend 80% of your premium on actual healthcare.
The Backdoor Loophole: If an insurance company is capped at a 20% profit, how do they make more money? They let the total cost of healthcare go up. 20% of a $10,000 bill is more profit than 20% of a $5,000 bill. The ACA actually incentivized them to let hospitals overcharge.
The OBOPA Fix: We don’t just cap the percentage of profit; we cap the underlying price of the service (the Anchor). We aren’t playing “percentage games” with your money. We are lowering the actual cost of the “milk” so there’s no room for backdoor fee-padding.
The “Genie Outta the Bottle” Guarantee.
Now, you know big corporations aren’t going to like this. The health insurance and pharmaceutical giants, who’ve been raking in record profits while you struggle, will scream. They’ll send armies of lobbyists to Washington. They’ll spend billions trying to kill this plan. All while saying they can’t afford to cover less than there lobby budgets.
And that’s our trap.
I mentioned before that they can afford to pay because they’ve profited the most off the old system. Now we put that sentiment to action. While they’ve denied your coverage and increased premiums because you use a product they sold you for its intended purpose. They’ve spent those ill-gotten gain’s on corporate bonuses and lobbying efforts to further deny, strip or restrict coverage. When they spend a billion dollars trying to stop you from getting affordable dental care, that just proves our point. They could have spent that same money covering you and for less, all along.
The sheer hypocrisy of saying they can’t cover your test, operation or illness while spending money to deny more coverage.
They denied your mom’s operation so they could spend the money overturning your grandma’s healthcare. That’s not insurance; it’s double dipping greed and its time to end that gravy train. The entire point of insurance is to cover speculative risk among a consumer base. It shouldn’t be antithetical to the business model to be expected to cover those risks when they occur. That’s the nature of the business.
And when they try and lobby congress to roll back your new benefits, we’re ready. The minute they try to gut this, every single Congressperson connected to the For All PAC immediately blocks the effort. Congress should work only for you. The For All PAC guidelines and project 2029 congressional rules will restrict corporate lobbyists from capitol hill and their offices. No more secret backroom deals. No more congresspeople ending your parents insurance coverage for the promise of a posh island vacation or luxury RV.
Once you have this affordable, comprehensive healthcare, that genie is out of the bottle. You won’t let them put it back. You’ll have peace of mind, better health, and more money in your pocket, not theirs. Millions of US citizens will be able to work where they want when they want instead of out of necessity. No more miserable employees only showing up out of benefit obligation not job satisfaction.
This isn’t about politics as usual. This is about making healthcare work for us and improving national happiness along the way.
Let’s make it happen.
