Healthcare Economics

The Current Crisis

28M

Uninsured Americans

530K

Medical bankruptcies/year

$4.5T

Annual healthcare spending

18%

GDP spent on healthcare

The US spends more than any country on healthcare, yet has worse outcomes than most developed nations.

This is not a healthcare system. It is a profit extraction system.

The AIP Solution

Current System

28M uninsured
Millions underinsured
$4,000+ deductibles common
Surprise medical bills
Insurance denial games
Employer-tied coverage
530K bankruptcies/year

AIP Healthcare

100% covered
Full coverage, no gaps
$0 deductibles
No surprise bills ever
No denial possible
Portable, universal
Zero bankruptcies

Cost Breakdown

Category	Current	AIP (Year 3)	Savings
Administrative overhead	$600B	$150B	$450B
Insurance profits	$100B	$0	$100B
Billing/coding complexity	$200B	$50B	$150B
Fraud/abuse	$100B	$20B	$80B
Prescription drug markup	$150B	$50B	$100B
Total Efficiency Savings			$880B/year

These savings fund expanded coverage while reducing total spending.

How It's Paid For

$3.5T

Annual Cost (at scale)

$8.1T

GRT Revenue (Year 1)

43%

Of Revenue to Healthcare

No New Taxes on Workers

Healthcare is funded through:

GRT revenue: Point-of-sale collection replaces income tax
Efficiency gains: $880B/year in waste eliminated
Preventive care: health monitoring catch problems early
Bulk purchasing: Government negotiates drug prices

Workers see net income increase because healthcare costs disappear from their paychecks while income tax is eliminated.

Health Integration

🏥 Community-Governed Care

Healthcare decisions are made locally by elected Community Health Boards—not insurance companies or distant bureaucrats:

Local Level

Elected Community Health Boards control provider selection, priorities, and budgets

Regional Level

Coordination councils handle multi-community resources and specialist networks

National Level

Federal standards and funding—decisions flow UP from communities, not DOWN

Local knowledge — Communities understand their own health challenges
Direct accountability — Board members are your neighbors, not executives
No profit motive — Decisions based on health outcomes, not shareholder returns
Preventive focus — Incentivized to keep people healthy, not bill for procedures
Mental health parity — Treated equally to physical health

Lives Saved

13.5M

Lives saved over 30 years through universal coverage

45,000 Americans die each year from lack of insurance. Ending this is not a luxury—it is a moral imperative.

Implementation Timeline

Y1

Year 1: Emergency Coverage

28M currently uninsured gain immediate coverage. Existing insurance continues.

Cost: $2.02T (current spending + expansion)
Medical bankruptcies begin declining
health monitoring begin preventive care

Y2

Year 2: Underinsured Expansion

Transition underinsured to full coverage. Private insurance begins consolidation.

$0 deductibles for all
Prescription drug costs capped
Mental health parity enforced

Y3

Year 3: Universal Coverage

Full universal system operational. Community-governed care networks.

Cost: $3.5T/year (at scale)
Medical bankruptcies: Zero
Preventive care reduces long-term costs