The Solvency Voucher Program
No poor hospitals. The poor buy the same insurance as everyone else.
No separate 'poor people's clinics' — those who need help get money to buy the same insurance as everyone else.
History shows that separate systems for the poor always become worse systems. So instead of building second-rate public hospitals, families in the bottom 40% of incomes get a $5,000-per-year voucher and shop for the exact same specialist insurance as everyone else. Same plans, same doctors, same waiting rooms.
Two-tier systems build two qualities of care
Every system that builds separate public facilities for the poor builds worse facilities for the poor. Medicaid's narrow networks already mean millions of 'covered' patients can't find a doctor who'll see them.
Cash purchasing power, identical market
The government doesn't build a parallel system — it purchases private Tier 2 insurance for the bottom 40% of earners via risk-adjusted vouchers. The poor shop the same exchange, see the same specialists, and carry the same coverage as the middle class.
Want to dig deeper?
The key numbers, at a glance
A risk-adjusted $5,000/year voucher for the bottom 40% of income earners to purchase private Tier 2 specialty insurance — 136 million citizens with full market access at $680B/year.
Voucher Value
$5,000/yr
Risk-adjusted per policy
Beneficiaries
136M
Bottom 40% of income earners
Total Cost
$680B/yr
Fixed capitation, not open-ended liability
Reinsurance Pool
$200B
Federal backstop for black-swan medical events
What exactly is broken today?
- Separate facilities become underfunded facilities.
- Narrow networks make coverage theoretical.
- Sprawling eligibility bureaucracy consumes the budget it administers.
How the fix works, point by point
- Beneficiaries: 136 million citizens (bottom 40% of income earners).
- Voucher: $5,000/policy/year, risk-adjusted — already 40% cheaper because Tier 2 plans no longer cover primary care.
- Total cost: $680 Billion — a fixed, predictable line item replacing open-ended Medicaid liability.
Why vouchers beat facilities
Purchasing power is the only subsidy that can't be segregated. A voucher-holder is revenue to every provider in the market — the same revenue as any other patient — so access equalizes automatically.
What Would Your Raise Be?
See the Compensation Preservation Protocol (CPP) work for your own paycheck
The US average employer contribution is ≈ $15,000/year for family coverage — money you earn but never see in your paycheck.
Today
$50,000
+ $15,000 hidden premium
Your New Cash Wage
$65,000
an immediate $15,000 raise
Year 0 — Total Comp Freeze: the OTV certifies your Total Compensation Load at $65,000.
Year 1 — Mandatory Conversion: private premiums are abolished; the Fair Labor Standards Act makes the certified baseline your new minimum cash salary. Your employer’s costs don’t change a penny: $0 net.
The Wage Clawback Clause: an employer who pockets your $15,000 instead faces the Unjust Enrichment Tax — 100% of retained savings plus a 20% punitive surcharge, a $33,000 penalty. It is mathematically more expensive to steal the savings than to pay you.
More from the Healthcare Trust
- The Bifurcation Model
A private family doctor with no paperwork — and honest, posted price tags on everything else.
- Cryptographic Defenses
One plastic card replaces the paperwork — and makes the most common kinds of fraud impossible.
- The Health Delta Bonus
Your doctor earns a bonus when you get healthier — not when you come back sicker.