Total Choice Health: A Market-Driven Approach to Universal Healthcare

How Market Competition and Government Support Can Deliver Coverage for All—For Less Than We Now Spend!

Introduction: The Healthcare Dilemma America Faces

For decades, Americans have been trapped in a false choice: either accept a fragmented, expensive system that leaves millions uninsured, or embrace a government-run program that eliminates choice and competition. But what if there’s a third way—one that combines the best of both approaches?

Enter Total Choice Health, a revolutionary yet pragmatic reform that achieves universal coverage while preserving what Americans value most: the freedom to choose their own healthcare.

Here’s the stunning reality: The U.S. government currently spends $2.7 trillion annually on healthcare programs that cover only about half of Americans—roughly 160 million people through Medicare, Medicaid, VA healthcare, and other programs. Meanwhile, 28 million Americans have no insurance at all, and another 150 million rely on private employer-sponsored coverage.

Total Choice Health covers all 335 million Americans for $2.25 trillion—saving taxpayers $450 billion per year while insuring 100% of the population. That’s not a typo: we spend less and cover everyone.

Even better, Total Choice Health gets the federal government out of the healthcare delivery business entirely. No more government-run hospitals, no more federal healthcare bureaucracies, no more politicians deciding what treatments you can receive. Instead, the government does one thing: it provides funding so every American can purchase private insurance. You choose your plan, your doctor, and your coverage level. The market handles the rest.

The concept is elegantly simple: the government pays a benchmark amount for every American’s health insurance premium, and private insurance companies compete for your business. You shop for the plan that works best for you and your family—whether that’s a bare-bones catastrophic plan or a gold-plated comprehensive package. The choice is yours, not Washington’s.

How Total Choice Health Works

The Three Core Principles

1. Universal Government Support

Every American receives government funding to purchase private health insurance. This isn’t a handout—it’s a recognition that healthcare is a fundamental need in a modern society. The government calculates a “benchmark premium” based on the average cost of a standard health plan in your area. This benchmark becomes your healthcare voucher.

Think of it like the GI Bill for healthcare: the government provides the funding, but you decide where and how to use it.

2. Competitive Insurance Marketplace

Insurance companies compete fiercely for your business. They can’t deny you coverage based on pre-existing conditions, and they can’t charge you more because you’re sick. But they can compete on price, benefits, customer service, provider networks, and innovative coverage options.

This competition drives efficiency and innovation. Insurers who provide better value attract more customers—those who waste money on bureaucracy or deny legitimate claims lose market share. The market rewards quality and punishes waste.

3. Consumer Choice and Control

You’re in the driver’s seat. Want a high-deductible plan with low premiums and a health savings account? Choose it. Prefer a comprehensive plan with minimal out-of-pocket costs? That’s available too. Need a plan with a specific hospital or doctor in the network? Shop for it.

If the plan you choose costs less than the government benchmark, the savings remain on your Total Choice Health card—working just like a Health Savings Account (HSA) that you can use for qualified medical expenses. If you want more coverage than the benchmark provides, you pay the difference. Either way, you control your healthcare decisions.

The Total Choice Health Card: Your Healthcare Savings Account

One of the most innovative features of Total Choice Health is the integrated savings mechanism. Every American receives a Total Choice Health card that functions as both an insurance payment vehicle and a healthcare savings account.

How the Card Works

When you choose a health plan that costs less than your government benchmark, the difference doesn’t disappear—it goes directly to your Total Choice Health card. This balance can be used for:

Deductibles and copayments for medical services
Prescription medications are not fully covered by your plan
Dental care, including cleanings, fillings, and orthodontics
Vision care, including eye exams, glasses, and contact lenses
Over-the-counter drugs and health products
Mental health services, including therapy and counseling
Preventive care is not covered by your plan
Medical equipment like wheelchairs, crutches, or monitors

Key Features

Tax-Free Growth: Like an HSA, your Total Choice Health card balance grows tax-free. Any interest or investment returns are not taxed.

Rolls Over Annually: Unused balances don’t expire at year-end. They roll over indefinitely, allowing you to build substantial savings for future healthcare needs.

Portable: Your card stays with you regardless of employment status, state of residence, or life changes. It’s yours for life.

Family Sharing: Family members can use the card for each other’s qualified medical expenses.

Investment Options: Once your balance reaches a certain threshold (e.g., $2,000), you can invest a portion in mutual funds or other approved investments, similar to an HSA.

The Incentive Structure

This design creates powerful incentives for smart healthcare shopping:

Choose efficient plans: If you’re healthy and choose a lower-cost Bronze plan, you build savings for future needs
Shop for value: Compare prices for procedures and medications to stretch your healthcare dollars
Preventive care: Use savings for preventive services that keep you healthy and reduce long-term costs
Emergency cushion: Build a healthcare emergency fund for unexpected medical expenses

The Total Choice Health card transforms healthcare from a pure expense into an opportunity for financial planning and security.

A Real-World Example: The Martinez Family

Let’s see how Total Choice Health works in practice.

The Family:

Carlos Martinez, 42, construction worker
Maria Martinez, 39, teacher
Two children, ages 8 and 12
Living in Phoenix, Arizona

Under the Current System:

Carlos gets insurance through his employer, but it’s expensive. The family plan costs $25,000 per year, with Carlos’s employer paying $18,000 and Carlos paying $7,000 from his paycheck. The deductible is $6,000, and the network is limited. Maria’s school district offers insurance, but it’s even more expensive, so she joins Carlos’s plan.

When Carlos was laid off during the pandemic, the family lost coverage. COBRA would have cost $2,100 per month—impossible on unemployment benefits. They went uninsured for seven months, terrified that a medical emergency would bankrupt them.

Under Total Choice Health:

The government determines that the benchmark premium for a family of four in Phoenix is $20,000 per year. The Martinez family receives this amount as a healthcare voucher.

They shop the marketplace and find several options:

Bronze Plan: $15,000/year, $8,000 deductible, limited network
Silver Plan: $20,000/year, $4,000 deductible, broad network
Gold Plan: $26,000/year, $2,000 deductible, premium network
Platinum Plan: $32,000/year, $500 deductible, any doctor/hospital

The Martinez family chooses the Silver Plan, which costs exactly the benchmark amount. They pay nothing out of pocket for premiums. The plan covers their preferred doctors and the children’s pediatrician.

If they had chosen the Bronze Plan, the $5,000 savings would remain on their Total Choice Health card, which works like an HSA. They could use this balance for deductibles, copayments, prescriptions, dental care, vision care, or other qualified medical expenses. The balance rolls over year to year and grows tax-free. If they wanted the Gold Plan, they would pay $6,000 out of pocket for the enhanced coverage.

Year Two: Building Healthcare Savings

The following year, the Martinez family decides to try the Bronze Plan to build savings. They’re all relatively healthy, and they want to accumulate funds for braces for their 12-year-old and potential future medical needs.

By choosing the $15,000 Bronze Plan instead of the $20,000 benchmark, they add $5,000 to their Total Choice Health card. Over five years of making similar choices, they accumulate $25,000 in healthcare savings—enough to cover the family’s deductibles, pay for orthodontics, and have a substantial emergency fund for unexpected medical expenses.

The Key Difference:

Carlos’s employment status no longer determines his family’s healthcare. Whether he’s working, between jobs, or retired, the Martinez family has continuous coverage. They’re free to change jobs, start a business, or pursue education without fear of losing health insurance. And they’re building long-term healthcare savings that give them financial security and flexibility.

Why Total Choice Health Succeeds Where Other Reforms Fail

It Solves the Coverage Gap

Currently, 28 million Americans lack health insurance. Some can’t afford it. Others fall into coverage gaps—earning too much for Medicaid but too little for affordable marketplace plans. Still others are between jobs or work for small businesses that don’t offer benefits.

Total Choice Health eliminates these gaps. Every American gets coverage, period. No exceptions, no bureaucratic hurdles, no means testing. If you’re an American, you’re covered.

It Preserves What Works

America’s employer-sponsored insurance system covers 160 million people. Many are satisfied with their coverage. Total Choice Health doesn’t disrupt this—employers can continue offering insurance as a benefit. But employees gain portability and choice. If your employer’s plan isn’t the best option, you can shop for something better using your government benchmark.

Similarly, the Total Choice Health model already works for seniors. Over 31 million Medicare beneficiaries—more than half—have chosen Medicare Advantage, which partially funds private insurance through government payments. These seniors prefer the additional benefits, care coordination, and customer service that private insurers provide compared to traditional Medicare. Total Choice Health extends this successful approach to all Americans, not just seniors, who will no longer have to pay the additional premiums.

It Harnesses Market Forces

Government-run healthcare systems often struggle with efficiency. Without competition, there’s little incentive to innovate or control costs. Total Choice Health maintains competitive pressure. Insurers must offer good value or lose customers. This drives innovation in care delivery, customer service, and cost management.

It Creates Smart Incentives

The Total Choice Health card creates a unique incentive structure that doesn’t exist in current systems. When you choose a lower-cost plan, you’re not just saving the government money—you’re building your own healthcare savings. This aligns individual and societal interests in a way that promotes both coverage and cost-consciousness.

It Saves Taxpayers Billions While Covering Everyone

This is perhaps the most compelling argument: Total Choice Health costs less than our current system while covering more people. We currently spend $2.7 trillion to cover roughly half of Americans through government programs. Total Choice Health covers all Americans for $2.25 trillion—a savings of $450 billion annually, or $4.5 trillion over ten years.

Think about that: We can insure 175 million more Americans while cutting government healthcare spending by nearly half a trillion dollars per year. This isn’t theoretical—it’s based on proven models in Switzerland and the Netherlands that achieve universal coverage at lower costs than the U.S. system.

It Gets Government Out of Healthcare Delivery

Conservatives have long argued that government shouldn’t run healthcare. Total Choice Health agrees. Under this system, the federal government doesn’t operate hospitals, employ doctors, or make treatment decisions. It simply provides funding, like the GI Bill provides education funding or food stamps provide nutrition assistance.

The government sets basic rules (no discrimination, coverage standards, fair competition) and then steps back. Private insurers compete. Private doctors and hospitals provide care. Private innovation drives improvements. The government’s role is limited to funding and regulation, not delivery.

This is the opposite of government-run healthcare. It’s government-funded, market-delivered healthcare.

It’s Politically Achievable

Unlike Medicare for All, which would eliminate private insurance and face fierce opposition, Total Choice Health builds on existing structures. It’s a reform, not a revolution. Conservatives appreciate the market-based approach, consumer choice, personal savings accounts, and getting government out of healthcare delivery. Progressives achieve universal coverage and healthcare security. Moderates get pragmatic problem-solving that saves money.

The Economics: How Total Choice Health Saves Money

The Current System: $2.7 Trillion for Half of America

Let’s be clear about what taxpayers currently fund:

Government Healthcare Spending (2024):

Medicare: $839 billion (62.7 million enrollees)
Medicaid/CHIP: $584 billion federal + state (82 million enrollees)
VA Healthcare: $128 billion (9 million veterans)
Federal Employee Benefits: $65 billion (8 million covered)
ACA Marketplace Subsidies: $125 billion (24 million enrolled)
TRICARE: $60 billion (9.6 million military families)
Indian Health Service: $8 billion (2.6 million served)
Other programs: $50 billion

Total: $2.7 trillion annually, covering approximately 160 million Americans directly through government programs

Note: Many people have overlapping coverage (e.g., Medicare + Medicaid), so the actual number of individuals covered is lower. Meanwhile, 28 million Americans have no insurance, and another 150 million depend on employer-sponsored private insurance.

The brutal math: We spend $2.7 trillion to directly cover less than half the population, leaving tens of millions uninsured or dependent on employer-based coverage.

Total Choice Health: $2.25 Trillion for All Americans

By consolidating programs, reducing administrative overhead, and creating a healthier risk pool, Total Choice Health covers all 335 million Americans for $2.25 trillion—a savings of $450 billion per year, or $4.5 trillion over ten years.

Per-person comparison:

Current system: $16,875 per person covered by government programs
Total Choice Health: $6,716 per person for universal coverage

This dramatic reduction comes from efficiency, not benefit cuts. Everyone gets comprehensive coverage—we eliminate the waste.

Where the $450 Billion in Savings Come From:

Administrative Efficiency ($247 billion):
- Eliminate redundant bureaucracies across Medicare, Medicaid, VA, TRICARE, and other programs
- Streamlined enrollment through a single system
- Simplified billing and claims processing
- Reduced marketing costs (insurers compete for guaranteed customers, not expensive advertising)
- No more separate IT systems, call centers, and administrative staff for each program
Healthier Risk Pool ($125 billion):
- Including currently uninsured young and healthy people dramatically reduces average costs
- Current government programs cover disproportionately sick and elderly populations
- Universal pool spreads risk across the entire population, lowering per-person costs
Competitive Pricing ($78 billion):
- Insurers compete on price and efficiency, not patient selection
- Market pressure drives down premiums and administrative costs
- Elimination of profit-maximizing behavior that exploits fragmented markets
Reduced Emergency Care ($50 billion):
- Universal coverage means people get preventive care instead of waiting for emergencies
- Fewer uninsured patients are using emergency rooms as primary care
- Better chronic disease management reduces costly complications

These aren’t theoretical savings—they’re based on real-world data from Switzerland and the Netherlands, which use similar systems and spend 30-40% less than the U.S. while achieving better health outcomes and 99%+ coverage rates.

What Taxpayers Get for Their Money

Under the current system, taxpayers spend $2.7 trillion and get:

❌ 28 million Americans are uninsured
❌ Fragmented, inefficient bureaucracies
❌ Government-run healthcare delivery (VA, Indian Health Service)
❌ Coverage tied to employment status for 150 million Americans
❌ Complex, overlapping programs with gaps and redundancies

Under Total Choice Health, taxpayers spend $2.25 trillion and get:

✅ 100% of Americans are insured
✅ Streamlined, efficient administration
✅ Government out of healthcare delivery—private market handles everything
✅ Portable coverage independent of employment
✅ Single, unified system with no gaps

The choice is clear: spend less, cover everyone, and get government out of the healthcare business.

How Insurance Companies Compete Under Total Choice Health

The New Competitive Landscape

Insurance companies can no longer compete by cherry-picking healthy customers or denying coverage to sick people. Those practices are prohibited. Instead, they compete on factors that actually benefit consumers:

1. Price and Value

Insurers who operate efficiently can offer lower premiums. If you choose a plan that costs less than the benchmark, the difference goes to your Total Choice Health card for medical expenses. This creates powerful incentives for insurers to control costs without sacrificing quality, while giving consumers a financial reward for choosing efficient plans.

2. Provider Networks

Some insurers build broad networks with thousands of doctors and hospitals. Others create narrow networks with negotiated discounts. You choose based on your priorities—do you want maximum choice or lower costs?

3. Customer Service

How quickly do they process claims? How easy is it to find in-network providers? How helpful is their customer support? In a competitive market, these factors matter. Bad service means lost customers.

4. Innovative Benefits

Insurers can differentiate themselves with value-added services: telemedicine, wellness programs, chronic disease management, mental health support, or prescription delivery. Innovation becomes a competitive advantage.

5. Specialized Plans

Some insurers might specialize in plans for families with young children, offering enhanced pediatric care. Others might focus on seniors, chronic disease patients, or rural communities. Specialization allows insurers to serve specific needs better.

Risk Adjustment: Keeping Competition Fair

To prevent insurers from avoiding sick patients, Total Choice Health includes sophisticated risk adjustment. Insurers who enroll sicker-than-average patients receive additional payments. Those who enroll healthier patients pay into the pool.

This means insurers have no financial incentive to discriminate. A patient with diabetes or cancer is just as profitable as a healthy patient. Competition focuses on efficiency and service, not patient selection.

Shopping for Insurance: The Consumer Experience

The Annual Open Enrollment

Every year, Americans shop for health insurance during open enrollment (typically November-December). You can also shop when you experience qualifying life events: marriage, divorce, birth of a child, job change, or relocation.

The Shopping Process

Step 1: Receive Your Benchmark

You’re notified of your government benchmark amount. This varies by age, family size, and geographic location. A 30-year-old in rural Iowa has a different benchmark than a 60-year-old in Manhattan, reflecting fundamental cost differences.

Step 2: Browse Available Plans

You access a user-friendly marketplace (online, phone, or in-person assistance) showing all available plans in your area. Plans are standardized into tiers—Bronze, Silver, Gold, Platinum—making comparison easy.

Step 3: Compare Options

You filter plans based on your priorities:

Monthly premium vs. out-of-pocket costs
Specific doctors or hospitals in the network
Prescription drug coverage
Dental and vision benefits
Deductibles and copayments
Potential Total Choice Health card savings

Step 4: Make Your Choice

You select the plan that best fits your needs and budget. If it costs less than your benchmark, the savings go to your Total Choice Health card for medical expenses. If it costs more, you pay the difference. Your choice is locked in for the year (unless you have a qualifying life event).

Step 5: Automatic Enrollment

If you don’t actively choose, you’re automatically enrolled in a default Silver-tier plan. This ensures no one falls through the cracks due to inaction or confusion.

Decision Support

Not everyone is comfortable shopping for insurance. Total Choice Health provides:

Online Decision Tools: Interactive calculators that estimate your total costs based on expected healthcare usage and show potential Total Choice Health card savings
Phone Assistance: Trained navigators who help you understand options
In-Person Help: Community centers and libraries offer enrollment assistance
Plain-Language Summaries: Every plan includes a simple, standardized summary of benefits and costs

Real-World Models: Learning from Switzerland and the Netherlands

Total Choice Health isn’t a theoretical experiment. Similar systems have worked successfully in other developed nations for decades.

Switzerland: 30 Years of Success

Since 1996, Switzerland has required all residents to purchase private health insurance, with government subsidies for those who need help. The results:

Universal Coverage: 99.5% of residents are insured
High Quality: Top-ranked healthcare system globally
Consumer Choice: Average of 61 insurers per canton (region)
Cost Control: Spending 12% of GDP vs. 17% in the U.S.
High Satisfaction: 89% of Swiss are satisfied with their healthcare

Swiss citizens shop annually for insurance, switching plans frequently based on price and service. Insurers compete vigorously, driving efficiency and innovation.

The Netherlands: Market-Based Universal Coverage

The Netherlands reformed its healthcare system in 2006, creating a competitive insurance market with universal coverage. Key features:

Mandatory Insurance: Everyone must purchase basic coverage
Income-Based Subsidies: The Government helps those who need it
Competitive Market: 25+ insurers competing nationally
Risk Adjustment: Insurers can’t discriminate based on health status
Supplemental Options: Consumers can buy additional coverage

The Dutch system achieves universal coverage, high quality, and reasonable costs—spending 10.5% of GDP on healthcare while covering everyone.

What America Can Learn

Both countries prove that market-based universal coverage works. They achieve:

Better health outcomes than the U.S.
Lower costs per capita
Higher patient satisfaction
Greater efficiency
More innovation

The key ingredients: universal coverage mandates, income-based subsidies, strong regulation to prevent discrimination, and genuine competition among insurers.

Addressing Common Concerns

“Won’t insurance companies just raise prices?”

Not if there’s real competition. When consumers can easily compare prices and switch plans, insurers must keep premiums competitive. Additionally, the government benchmark is adjusted annually based on actual market costs, not insurer wishes.

If premiums rise faster than inflation, the government can:

Increase competition by encouraging new market entrants
Strengthen cost-control regulations
Negotiate directly with providers on pricing
Adjust risk adjustment to ensure fair competition

“What about people with pre-existing conditions?”

They’re fully protected. Insurers cannot deny coverage, charge higher premiums, or exclude treatments based on health status. Risk adjustment ensures insurers don’t lose money by covering sick patients.

In fact, people with chronic conditions benefit from competition—insurers compete to offer better disease management programs, knowing these patients are just as profitable as healthy ones.

“Will this eliminate employer-sponsored insurance?”

No. Employers can continue offering insurance as a benefit. However, employees gain flexibility. If your employer’s plan isn’t the best option, you can use your government benchmark to shop for something better. This gives workers more power and makes the labor market more dynamic.

Many employers might shift from providing insurance directly to providing additional compensation, allowing employees to shop for themselves. This increases portability and choice.

“Won’t people just choose the cheapest plan and pocket the money?”

The Total Choice Health card can only be used for qualified medical expenses—it’s not cash you can spend on anything. This ensures the savings stay within the healthcare system while giving people flexibility to use funds for their actual healthcare needs, whether that’s deductibles, dental work, or prescriptions.

Additionally, people have strong incentives to choose appropriate coverage. If you select a bare-bones plan to maximize card savings but then face high medical costs, you’ll quickly deplete those savings. Most people will balance premium savings with adequate coverage.

“How do we prevent fraud and abuse?”

The same way we do now, but more efficiently:

Standardized electronic claims processing
Automated fraud detection algorithms
Regular audits of insurers and providers
Severe penalties for fraudulent billing
Transparent pricing and quality data
Total Choice Health card transactions are tracked and must be for qualified medical expenses.

With a unified system, fraud detection actually becomes easier because patterns are more visible across the entire market.

“What about rural areas with limited competition?”

The government can:

Subsidize insurers to serve rural markets
Create public option plans in underserved areas
Allow interstate insurance sales to increase competition
Provide additional benchmark support for rural residents

No American should lack choices due to geography. The system includes safeguards to ensure rural communities have adequate options.

“Is this socialism?”

No. Total Choice Health is fundamentally market-based. Private companies compete for customers. Consumers make their own choices. The government’s role is limited to:

Providing funding (like the GI Bill or Pell Grants)
Setting basic rules (like the FDA or SEC)
Ensuring fair competition (like antitrust enforcement)

This is no more “socialist” than Medicare, Social Security, or public education. It’s a pragmatic American solution that harnesses market forces to achieve a social goal.

The Transition: How We Get There

Phase 1: Pilot Programs (Year 1-2)

Start with the volunteer states that want to test the model. Provide federal funding and regulatory flexibility. Learn what works and fix what doesn’t.

Phase 2: Gradual Expansion (Year 3-5)

Expand to additional states. Begin transitioning existing programs:

Medicare beneficiaries transition to Total Choice Health with age-adjusted benchmarks that ensure comprehensive coverage
Medicaid recipients transition with enhanced benchmarks based on income and health needs
ACA marketplace merges seamlessly into the new system
Federal employees move to the new model
VA healthcare users receive benchmarks that account for service-related conditions

Phase 3: Universal Implementation (Year 6-10)

Complete the transition. All Americans receive benchmark funding and Total Choice Health cards. Medicare, Medicaid, VA healthcare, TRICARE, and all other government healthcare programs are fully replaced by Total Choice Health. The federal government exits healthcare delivery entirely, maintaining only its funding and regulatory role. The new system becomes the standard for all Americans, regardless of age, income, or veteran status.

Protecting Vulnerable Populations

Special attention during transition:

Seniors: Current Medicare beneficiaries can transition gradually, with enhanced benchmarks to ensure they can afford comprehensive coverage equivalent to or better than traditional Medicare. This transition is actually familiar territory—over 31 million seniors (more than half of Medicare beneficiaries) already purchase private insurance through Medicare Advantage plans. Total Choice Health extends this proven model to all seniors, giving them even more choices and competitive options.
Low-Income: Enhanced benchmarks ensure adequate coverage
Disabled: Additional support for specialized needs
Rural Residents: Guaranteed access to plans
Chronic Conditions: Continuous coverage protections
Veterans: VA healthcare users transition with benchmarks that reflect their service-related needs

No one loses coverage during the transition. Current beneficiaries of Medicare, Medicaid, VA healthcare, and other programs receive transition support to ensure they can select plans that meet or exceed their current coverage.

The Vision: Healthcare That Works for Everyone

Imagine an America where:

No one lacks health insurance because they lost a job, started a business, or couldn’t afford premiums
Families have real choices about their healthcare, not just whatever their employer offers
Insurance companies compete to provide better service and lower costs, not to avoid sick patients
Healthcare is portable from job to job, state to state, throughout your life
Everyone builds healthcare savings through wise plan choices
Entrepreneurs can start businesses without fear of losing healthcare
Workers can retire early, knowing they’ll have continuous coverage regardless of age
Young adults can pursue education without worrying about insurance gaps
Small businesses compete with large corporations because healthcare isn’t tied to employment
Families have financial security with healthcare savings accounts that grow over time

This isn’t a utopian fantasy. It’s achievable with Total Choice Health—a pragmatic, market-based approach that delivers universal coverage while preserving American values of choice, competition, and individual freedom.

Conclusion: A Choice We Can All Support

Healthcare reform has been paralyzed by false choices: government control or market chaos, universal coverage or individual freedom, progressive ideals or conservative principles.

Total Choice Health transcends these divisions. It achieves universal coverage through market competition. It provides government support while preserving private choice. It’s progressive in its goals and conservative in its means. It creates personal healthcare savings accounts while ensuring everyone has coverage.

Most importantly, it works. We know this because similar systems succeed in Switzerland, the Netherlands, and other nations. They achieve better health outcomes, lower costs, and higher satisfaction than America’s current system.

The question isn’t whether Total Choice Health can work—it’s whether we have the political will to implement it.

Americans deserve better than the status quo. We deserve a healthcare system that covers everyone, respects individual choice, harnesses market efficiency, builds personal financial security, and reflects our values as a nation.

Total Choice Health delivers all of this. It’s time to make it a reality.

Take Action

For Citizens:

Contact your representatives and demand Total Choice Health
Share this article with friends and family
Join the movement for universal coverage with choice

For Policymakers:

Sponsor Total Choice Health legislation
Organize hearings and town halls
Build bipartisan coalitions for reform

For Employers:

Support policies that give employees more choice
Advocate for portable, flexible healthcare benefits
Join business coalitions for reform

For Healthcare Professionals:

Educate patients about the benefits of universal coverage
Advocate for systems that improve access and outcomes
Support evidence-based reform

The time for Total Choice Health is now. Let’s build a healthcare system that works for every American.

Total Choice Health: Total coverage. Total choice. Totally American.