The Health Security Act
Protect insured families from financial ruin after a major illness or medical emergency by capping catastrophic out-of-pocket costs, strengthening ACA premium help, and cracking down on the worst pricing, billing, and insurance abuses that make coverage feel unreliable.
Planks In This Act
Ensure that every American has access to affortable health insurance regardless of income.
Cap annual out-of-pocket medical expenses for insured households as a percentage of household income.
Require insurers to process claims, authorize care, explain decisions, and report performance fairly and transparently.
Require organizations participating in federally regulated health plans to publish standardized performance metrics, support interoperable patient records, and address persistent patterns of poor performance or aberrant pricing.
Health insurance exists to provide financial protection. People cannot predict when they will develop cancer, suffer a serious injury, or face another major medical crisis. Insurance allows families to prepare for those risks by sharing the cost across society rather than facing financial ruin alone.
When health insurance works, families can focus on treatment and recovery instead of worrying whether a medical emergency will destroy years of savings or force them into debt. A healthcare system should protect both health and financial security.
Over time, health insurance became more expensive, more complicated, and less predictable. Many Americans can no longer assume that having insurance means they are financially protected. Rising premiums, high deductibles, surprise bills, delayed coverage decisions, opaque pricing, and inconsistent performance have weakened confidence throughout the healthcare system.
Patients often struggle to compare insurers, providers, or prescription drug prices because meaningful information is difficult to obtain or impossible to compare. Organizations that perform poorly or charge unusually high prices frequently operate with little public visibility or accountability.
The problem is not simply that healthcare is expensive, but the deeper problem is that too many Americans have lost confidence that the system will provide for them when they need it most.
This act restores health insurance to its original purpose: providing meaningful financial protection when illness or injury occurs. It ensures that every American has access to affordable coverage, establishes a national standard limiting catastrophic out-of-pocket costs, and requires insurers to make timely, transparent, and accountable coverage decisions.
The act also brings greater transparency to the healthcare system by requiring standardized performance reporting from insurers, providers, drug manufacturers, and other participating organizations. Patients gain better information to compare their options, while organizations with persistent patterns of poor performance or unexplained pricing must publicly explain how they intend to improve.
The goal is to ensure that health insurance provides real financial protection and that the institutions responsible for delivering healthcare are transparent, accountable, and worthy of the public's trust.
Assessment summaries will appear once this version has at least 10 published stances.
Representative assessments will appear once this version has at least 10 published stances.
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