SAFEC+ Plan
Universal coverage. Real prices. No more medical bankruptcy. A modern system for a modern nation.
We Tried Patching It.
It Didn't Work.
The current system is a patchwork of confusing rules, surprise bills, and gaps you can fall through. We didn't just add another patch. We rebuilt the foundation.
Universal Floor
Everyone is covered. Coverage follows the person, not the job. Enrollment defaults you in, but you still have choice. No deductibles for essential care. If a provider participates in SAFEC+ and meets access standards, you can use that provider for the national benefit floor, without the usual narrow-network maze.
Learn more about Universal Floor
Fair Financing
We replace premiums with dedicated contributions: 8.0% employer payroll, and a 3.5% personal contribution on Modified Adjusted Gross Income (MAGI), collected mostly by wage withholding with annual reconciliation. A high income surtax layers on top of the 3.5% rate: +1.0% above $100,000, +1.5% above $250,000, and +2.0% above $500,000 (so the top marginal rate reaches 8.0% above $500,000). For self employment, the base rate is 11.5% on net earnings, plus the same surtax brackets. Social Security, VA benefits, and up to $100,000 of retirement distributions are excluded from the contribution base, and the small business 199A deduction is preserved. It replaces the Medicare HI payroll tax rather than stacking on top, and it repeals the Net Investment Income Tax on the main implementation date. No deductibles, no coinsurance. Cost sharing is limited to fixed copays, with $0 copays for kids and low income and a hard annual cap.
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Tuition Caps + Service Grants
Tuition caps, grants, and service scholarships to rebuild the workforce. The bill sets example caps of $15,000 per year for MD or DO programs and $10,000 per year for core nursing and allied health. Schools are held harmless through education support payments tied to outcomes. Students can receive grants with a 5 to 7 year service obligation in priority specialties and priority service areas, and existing clinicians get targeted loan forgiveness. It also repeals Medicare GME caps to expand residency slots where shortages are real.
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Common Sense Justice
Safe harbors for guideline based care and predictable caps on noneconomic damages, while preserving full economic recovery. Fewer lawsuits, less defensive medicine, and clearer standards for everybody in the room.
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Ending Medical Debt
Illness should not cost you your future. SAFEC+ bans surprise billing and creates a Medical Debt Redemption Facility funded at $5B to $15B per year for the first 10 years to buy portfolios of old medical debt and cancel them, with consumer notice requirements and credit reporting cleanup.
Learn more about Ending Medical Debt
This isn't just a wish list.
THIS IS NOT ATHE BILL
The legislation is drafted. Financing is dedicated and self-correcting. Now we need you.
Read the Legislation