This plan does something much more boring and sane. It says:
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There is one basic national plan for essential health care.
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Everyone who is a legal resident is in the same basic national risk pool.
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Basic funding comes from dedicated contributions: an 8.0% employer payroll contribution, and a 3.5% base personal contribution on Modified Adjusted Gross Income, collected mostly by wage withholding with annual reconciliation, plus a personal high-income surtax up to an 8.0% marginal rate above 500,000 dollars. Social Security, VA benefits, and up to 100,000 dollars of retirement distributions are excluded from the contribution base, the 199A qualified business income deduction is preserved, the Medicare Hospital Insurance payroll tax is replaced on the main implementation date, and the Net Investment Income Tax is repealed so investment income is not hit twice.
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There are no deductibles. Cost sharing is limited to modest copays with a hard annual cap (per person).
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Doctors and hospitals mostly stay exactly what they are now: private, nonprofit, mixed. SAFECARE pays the bill for essential care under one rulebook.
It is not the Soviet Union. The government is not nationalizing clinics or turning doctors into federal employees. It is replacing the paperwork wars and surprise billing with one essential-care payer and clear rules, while allowing private supplemental add-ons.











