American Dream 2.0 🗽 Humancare🩵 Bill Proposals to our United States Congress for Affordable Healthcare and Homes
For All Your Work Hard, Healthy Living Made Easy
Transform Your Families Health, Congress adopts humancare.app idea
America needs less bureaucracy and a platform that empowers families free-market health, cuts administrative waste/fraud, and restores affordable housing opportunity. HumanCare🩵 delivers a no additional cost healthcare option at the point of use and the American Dream Lottery🏠 unlocks federal land for every taxpayer. Join the movement to ask Congress for a fairer, healthier nation.
🚀 Our Vision: Grok AI calls it "capitalism with a boost", government kickstarts innovation, private sector delivers, and AI ensures fairness. Explore how we can eliminate $140 billion in fraud, add 2-5 years to life expectancy, and spark $6-10 trillion in growth while adding millions of affordable homes and provides health care to all Americans.
The American Dream is slipping further out of reach for young Americans, and the red tape won’t fix itself. We need a scalable affordable housing policy that matches the speed and efficiency of modular and offsite construction.
America doesn’t have a building problem; it has a land, financing, and policy choke point. My Housing Care Amendment to the ROAD to Housing Act of 2025 (S.2651) unlocks all three.
Congress Can Transfrom Our Lives In 2026
My Message to Congress; A Bipartisan Path to Restore Affordability, Health, and Economic Strength
Your stewardship of the United States comes at a pivotal moment. America’s families are working harder than ever, yet our systems for healthcare and housing are failing them, driving costs up, outcomes down, and faith in institutions to historic lows. This is not a partisan problem. It is a systems problem.
Despite decades of incremental reform, national debt has climbed to $38 trillion while healthcare consumes nearly 19% of GDP, administrative waste exceeds $1.5 trillion annually, overdose deaths remain unacceptably high, and millions remain uninsured or underinsured. At the same time, housing affordability has collapsed, pushing ownership out of reach for working families and weakening the foundation of economic mobility.
History shows we know how to respond to moments like this. Medicare, Medicaid, and the GI Bill succeeded not by micromanaging outcomes, but by redesigning national platforms around access, dignity, and growth. That same bipartisan spirit is needed again.
I authored HumanCare🩵, the Health Care Act of 2026, and the Housing Care Amendment to the ROAD to Housing Act (S.2651) to do exactly that.
Healthcare: Redesigning the Platform, Not the Practice
HumanCare🩵 addresses the healthcare crisis by replacing today’s fragmented, insurer-driven administrative maze with a single national HHS administrative, payment, and data platform, while preserving independent medical practice, clinical judgment, and free-market competition.
At its core is a secure national lakehouse architecture: a unified data environment that brings together raw clinical data, curated administrative records, and enriched AI insights in real time. This replaces siloed systems with a governed, accountable substrate designed for continuous learning, transparency, and trust.
On top of this foundation, the HHS app operates as a human-centered, agentic care platform, moving beyond reactive automation (“if X, then Y”) to proactive systems that sense, reason, and act in service of patients and clinicians.
Key features include:
- Seamless navigation, billing, scheduling, and care coordination
- Multimodal, accessible interfaces (voice, text, visual)
- Transparent explanations for every AI-assisted action
- Real-time integration of clinical records, wearables, and patient-reported data for early intervention
Responsible AI workflows ensure this system is ethical, explainable, privacy-preserving, and bias-aware, aligned with the NIST AI Risk Management Framework and federal privacy standards. AI supports clinicians; it does not replace them.
Measured results matter. HumanCare🩵 delivers:
- 25–30% reduction in administrative waste
- ~$140B annual fraud and abuse savings
- Weekly HHS payments that stabilize independent practices
- Universal coverage with no premiums or deductibles for essential care
Preliminary CBO-style modeling projects a $7.4 trillion 10-year surplus, average family savings of $1,667 per month, 2–5 years of added life expectancy for low-income populations, fewer overdoses, and approximately 200,000 fewer medical bankruptcies annually.
Housing: Restoring the American Dream at Scale
Healthcare stability must be matched by housing stability. The Housing Care Amendment addresses affordability at its root, supply, land access, and financing.
Using under 3% of federally owned land, every eligible 2023 taxpayer gains access to a 3,500 sq. ft. lot (~$100,000 value) through an AI-managed American Dream Lottery. Half is repaid to Treasury over five years for debt reduction; the remainder becomes transferable equity enabling $0-down, 3% HUD loans up to $250,000. Hero Villages prioritize veterans, military families, and essential workers.
The result:
- 12–15 million jobs in construction, manufacturing, and services
- ~$4 trillion in direct economic activity
- $6–10 trillion GDP growth
- $2–8 trillion in federal revenue, without broad tax increases
This approach mirrors the scale and impact of the GI Bill, updated for modern America.
A Governing Opportunity
Together, these reforms replace fragmentation with platforms, waste with care, and volatility with measurable outcomes. Equity, transparency, uptime, fraud reduction, and health outcomes are tracked through public KPIs, ensuring accountability at national scale.
AI can transform healthcare only if the system beneath it is transformed first.
HumanCare🩵 builds that system, responsibly, transparently, and in service of all Americans.
I urge Congress to act across party lines and seize this moment to restore affordability, dignity, and economic strength for the nation we are entrusted to serve.
Details:
Health Care Act: https://humancare.app/health-care-act
Housing Care Act: https://humancare.app/housing-care-act
The U.S. Constitution and the American Dream
Prosperity, Mobility, Hard Work
- The U.S. Constitution doesn't guarantee success, but provides a "level playing field" by protecting rights and opportunities.
- The U.S .Constitution supports the American Dream, achieving prosperity and mobility through hard work, by protecting liberties, ensuring equal opportunity, and enabling policies via clauses like Commerce, General Welfare, and Equal Protection.
- It doesn't directly mandate healthcare or affordable housing, but provides a framework for laws addressing these to reduce barriers to success.
- Taxpayers are paying the price of Healthcare Administration waste, as the $1.59 TRILLION in Healthcare Admin Waste could cover nearly all of Washington D.C. in $100 bills.
- Congress could use that money to cover every American with healthcare instead. Care For ALL.
Healthcare and the U.S. Constitution
- The Constitution indirectly enables healthcare access through the Commerce Clause (upholding laws like the ACA for broader coverage) and Fourteenth Amendment (combating disparities via equal protection).
- This promotes health equity, essential for economic stability, though access remains variable and legislatively driven, but leaving millions of uninsured American consumers.
- HumanCare🩵 closes the unisured gap, promotes health equity, and puts about $1,667 back in working family consumers monthly budgets.
Affordable Housing and the U.S. Constitution
- Property rights under the Fifth Amendment and anti-discrimination via the Fourteenth support housing stability and wealth-building.
- Federal powers enable initiatives like the Fair Housing Act and downpayment assistance, but zoning barriers persist, requiring reforms for greater affordability and opportunity.
- The American Dream Lottery🏠 unlocks federal land for every hard working taxpayer, with the opportunity to build affordable homes, sparking $6 - 10 trillion in commerce.
Transform Americas Future, Reignite Our American Dream
Health
Health
Health
- Welcome to HumanCare🩵!
- As an American dad fighting for our children's future, I refuse to let the American Dream fade.
- Our proposals, the Health Care Act and Housing Care Act - use Responsible AI to fix our broken systems, save trillions, and create prosperity for all.
- VIP access to the U.S. free-market health care framework.
- Why Now?
- In 2026, the heartbreak gripping America demands immediate, transformative action.
- Imagine the shattering grief of families torn apart by nearly 81,000 overdose deaths, a painful 27% drop from 2023's devastating toll, yet still an unimaginable tragedy claiming far too many lives.
Homes
Health
Health
- We can fix housing challenges with leadership from Congress.
- While 27.1 million fellow citizens, 8% of our population, endure the constant fear and vulnerability of being uninsured, unable to seek care without risking ruin.
- This anguish is deepened by a staggering 7.1 million unit shortage in affordable housing, leaving countless families in unstable, overcrowded conditions or on the brink of homelessness.
- Compounding it all, household debt exceeding $18.39 trillion, trapping hardworking Americans in cycles of stress, sacrifice, and despair that erode dreams and futures.
- American Dream Lottery🏠 unlocks federal land and hope, for every taxpayer.
"Health Insurance is a scam and is failing everyone..." - Past Representative Marjorie Taylor Greene (R-GA) "Our job is to fix a broken system and guarantee health care to all." - Senator Bernie Sanders (I-VT)
"Under the America First Healthcare Plan, we will ensure the highest standard of care anywhere in the world, cutting-edge treatments, state-of-the-art medicine, groundbreaking cures, and true health security for you and your loved ones."
President Donald J. Trump, September 24, 2020
False Claims Act (FCA) Complaint Against Health Insurance
Three National Health Insurance Companies and Three Brokers - Complaint Alleging Unlawful Kickbacks and Discrimination Against Disabled Americans
"The United States filed a complaint today under the False Claims Act (FCA) against three of the nation’s largest health insurance companies — Aetna Inc. and affiliates, Elevance Health Inc. (formerly known as Anthem), and Humana Inc. — and three large insurance broker organizations — eHealth, Inc. and an affiliate, GoHealth, Inc., and SelectQuote Inc. The United States alleges that from 2016 through at least 2021, the defendant insurers paid hundreds of millions of dollars in illegal kickbacks to the defendant brokers in exchange for enrollments into the insurers’ Medicare Advantage plans. " Thursday, May 1, 2025. https://www.justice.gov/opa/pr/united-states-files-false-claims-act-complaint-against-three-national-health-insurance
What governments can do, HHS
- Invest in evidence-based practices, plans, and partnerships that ensure the health, safety, and well-being of health workers.
- Address punitive policies that deter health workers from seeking mental health and substance use care. Increase access to quality, confidential mental health and substance use care for all health workers.
- Reduce administrative burdens contributing to health worker burnout.
- Recruit, expand, and retain a diverse health care and public health workforce to meet current and future health challenges.
- Commit to a coordinated, whole-of-government approach to adequately prepare public health, health care systems, and health workers for future public health emergencies.
https://www.hhs.gov/surgeongeneral/reports-and-publications/health-worker-burnout/index.html
BLS, Chart 1. Annual Expenditure Shares by Major Components. Housing #1
- Housing (32.9 percent)
- Transportation (17.0 percent)
- Food (12.9 percent)
- Personal insurance and pensions (12.4 percent)
- Healthcare (8.0 percent)
- Entertainment (4.7 percent).
- Each of the remaining, less than 4.0 percent of total expenditures. (Latest 2023)
- 53.3% expenditures for Housing, Healthcare, and Insurance
- 66.2% expenditures for Housing, Healthcare, Food, Insurance
Administrative Cost Comparison Across Consumer-Facing Industries, Healthcare Efficiency Opportunity
While healthcare accounts for approximately 8 percent of total U.S. consumer spending, it exhibits a disproportionately high administrative cost burden relative to other major consumer-facing industries. Peer industry benchmarks indicate that most sectors, including housing, transportation, and food operate with administrative and overhead costs generally in the single digits to low-teens as a share of total spending. Even industries with complex regulatory environments and coordination requirements, such as transportation and retail, maintain administrative cost shares well below those observed in healthcare.
In contrast, data estimate that administrative activities account for roughly 30 percent of total U.S. healthcare spending, reflecting costs associated with billing and coding, insurance-related functions, payment administration, compliance, and care authorization processes. This administrative intensity exceeds that of nearly all other consumer sectors and is substantially higher than international peer health systems.
The divergence suggests that healthcare’s administrative cost structure is not primarily driven by the inherent complexity of service delivery, but rather by system-level fragmentation in financing, payment, and regulatory processes. As a result, administrative spending in healthcare represents a significant source of potential efficiency gains. Reductions in administrative complexity, particularly in payment standardization, claims processing, and program administration, could yield material cost savings without reducing access, quality, or clinical capacity, aligning with CMS objectives for efficiency, equity, and program integrity.
Administrative Cost Comparison Across Consumer-Facing Industries, Healthcare Efficiency Opportunity
Footnotes
- U.S. Bureau of Labor Statistics, Consumer Expenditure Survey, 2023: Average Annual Expenditures and Characteristics of All Consumer Units, Washington, DC: BLS, 2024. Healthcare accounted for approximately 8.0 percent of total consumer expenditures.
- Small Enterprise Magazine, “Average Cost Structure by Business Sector in the United States,” 2025. Industry benchmarks indicate that administrative and overhead costs in sectors such as retail, transportation, housing, and food generally fall within the single-digit to low-teens percentage of total revenue.
- Keevee, “Overhead Costs by Industry,” 2024. Comparative overhead benchmarks show healthcare and education among the highest administrative-intensity sectors, with most other consumer industries operating at lower administrative cost shares.
- Papanicolas, Irene, Liana R. Woskie, and Ashish K. Jha, “Health Care Spending in the United States and Other High-Income Countries,” Journal of the American Medical Association 319, no. 10 (2018): 1024–1039. This and subsequent analyses estimate that administrative costs account for approximately 15–25 percent of total U.S. healthcare spending.
- Himmelstein, David U., and Steffie Woolhandler, “Administrative Costs in U.S. Health Care,” Annals of Internal Medicine 172, no. 2 (2020): 134–136. Estimates suggest that administrative activities may account for up to 30 percent of total U.S. healthcare expenditures when insurer and provider administrative costs are included.
- Richman, Barak D., and Kevin A. Schulman, “Healthcare Administrative Costs and Competition Policy,” Competition Policy International, 2023. This analysis estimates U.S. healthcare administrative costs in the range of 25–31 percent of total spending and highlights the role of market fragmentation.
- Tikkanen, Roosa, and Melinda K. Abrams, “U.S. Health Care Spending: Where Is It All Going?” The Commonwealth Fund, October 2023. The report identifies billing, insurance-related functions, and payment administration as major contributors to excess U.S. healthcare administrative spending compared to peer nations.
- Cutler, David M., “How Large a Burden Are Administrative Costs in Health Care?” Econofact, 2020. The analysis emphasizes that administrative complexity in U.S. healthcare is driven largely by fragmented payment and regulatory systems rather than clinical care delivery itself.
- McKinsey & Company, Administrative Simplification: How to Save a Quarter-Trillion Dollars in U.S. Healthcare, McKinsey Center for U.S. Health System Reform, 2019. The report identifies administrative simplification as a significant opportunity for cost savings without reductions in access or quality of care.
Delivering Affordable Housing & Renewing the American Dream
HOUSING CARE ACT OF 2026
Delivering Affordable Housing and Renewing the American Dream
The Housing Care Act of 2026 is a national initiative to make homeownership achievable again for working Americans. By responsibly utilizing select federally-managed land and providing affordable home construction financing, this Act helps families build long-term stability and strengthens communities across the country.
The Act prioritizes those who serve our communities and our country. Veterans, active-duty service members, and essential workers will receive priority access to new Hero Village neighborhoods located near bases, hospitals, schools, emergency response hubs, and municipal service centers.
This legislation is designed to expand housing supply, reduce financial barriers to homeownership, and support strong, stable communities where families can live, work, and thrive.
Key benefits:
• Residential lots available to eligible taxpayers
• Option to take the land or receive its fair market cash value
• 0% down, 3% fixed-rate HUD construction loans up to $250,000
• Priority residential communities for service populations
• Safeguards to prevent exploitation and speculation
The Housing Care Act is a practical, bipartisan approach to increasing affordable housing and renewing
access to the American Dream.
Congressional Summary: Housing Care - Amendment to S.2651 (ROAD to Housing Act of 2025)
Suggested Sponsor: Sen. Tim Scott Committee of Referral: House Financial Services (upon receipt of S.2651)
Type:Amendment adding Title IX - Federal Land Utilization for Affordable Housing
Purpose
Establishes a federal land allocation and housing finance program to expand the national supply of affordable housing, prioritize workforce and veteran access, and coordinate with zoning and modular housing reforms in S.2651.
Key Provisions
1. American Dream Land Allocation Program (Sec. 904)
- Allocates residential lots drawn from eligible portions of the 640M acres of federally controlled land.
- Lots assigned by state/territorial taxpayer residence.
- Sites must be consistent with zoning modernization principles in Sec. 203 of S.2651.
2. Lot Election and Cash-Value Option (Sec. 905)
- Recipients may select either:
- A residential lot; or
- An appraised cash equivalent.
- If no response within 30 days, recipient receives the cash equivalent.
3. HUD-Backed Construction Loans (Sec. 906)
- For recipients who choose a lot.
- Loan terms: 0% down, 3% interest, up to $250,000.
- Integrates with mall-dollar mortgage pilot (Sec. 402) and manufactured housing modernization (Sec. 303).
4. Hero Villages (Sec. 907)
- Priority residential development zones near employment and service centers.
- Priority access for:
- Veterans
- Active-duty servicemembers
- Essential workers
- Five-year minimum ownership requirement.
- Must utilize pre-approved designs (Sec. 210) and transit-oriented principles (Sec. 211).
5. Environmental and Zoning Compliance (Sec. 908)
- All projects subject to federal, state, and local environmental review, including Sec. 208 of S.2651.
6. Oversight and Reporting (Sec. 909)
- HUD administers the program, maintains fraud prevention protocols, and submits annual reports to Congress.
7. Conforming Amendments (Sec. 912)
- Adds Title IX to the S.2651 table of contents.
- Adds new subsections to Sec. 203 and Sec. 302 supporting integration with Title IX.
8. Authorization of Appropriations (Sec. 913)
- Authorizes appropriations for FY 2026–2030.
Expected Impact
- Increased national supply of attainable and workforce housing.
- Stronger local and regional housing markets.
- Expanded homeownership opportunities for veterans, essential workers, and working families.
- Better alignment between workforce geography and available housing supply.
Housing Care Amendment (S.2651)
America doesn’t have a homebuilding problem; it has land, financing, and policy bottlenecks. The Housing Care Amendment to the ROAD to Housing Act of 2025 (S.2651) tackles all three with a transformative, fiscally responsible approach.
✔️ Land & Equity Allocation: Every 2023 taxpayer receives a 3,500 sq. ft. federal lot valued at $100,000. A mandatory 50% land-value tax ($50,000) is paid back to Treasury over five years for debt reduction; the remaining $50,000 becomes your built-in equity - transferable if you don't build.
✔️ Financing: Leverage that equity for a 0% down, 3% fixed HUD loan up to $250,000 to construct a primary residence, with 20% collateral reducing defaults and strengthening financial stability.
✔️ Economic Surge: Sparks 12-15 million high-wage jobs in construction and manufacturing, $4 trillion in direct building activity, and a $6–10 trillion GDP lift through multipliers, while generating $2-8 trillion in Treasury revenue over five years without raising taxes.
This pro-builder, pro-factory plan integrates modular/offsite methods for speed and scale, turning idle federal land into a national wealth engine. Pair it with the U.S. Fort Knox Gold Stablecoin for even greater fiscal modernization.
Details and bill: https://humancare.app/housing-care-act
Contact Us at HumanCare🩵™
HumanCare🩵™ Healthcare for All & Affordable Homes🏠
HumanCare, LLC
Phoenix Metropolitan Area, Arizona, United States
Care for All: Homes by the Million More, Healthcare Affordability to Adore.
Ken Mushet, MBA/TM (Technology Management)
Founder and President
HumanCare, LLC
Arizona HQ
NAICS: 541511, SIC: 7371
