"Of all the forms of inequality, injustice in health care is the most shocking and inhumane." Martin Luther King, Jr. (1966)
U.S. Health Care Spending, 2024, Administration $1.59T (30%)
Addressing Concerns About Government-run Systems (Like UK)
While valid concerns about government-run systems like the UK's NHS, where wait lists exceed 7.4 million patients, many waiting over a year, highlight risks of bureaucracy and delays, HumanCare🩵offers a fresh, efficient alternative that avoids these pitfalls. Unlike single-payer models or Medicare for All, it's not a top-down takeover but a tech-driven HHS app fostering true free-market competition, universal access, and reduced waste.
HumanCare🩵's platform lets consumer patients shop for services, compare prices and ratings in real-time, and manage care like an e-commerce app. Private insurance could integrate seamlessly, enhancing options without new taxes instead redirecting the $1.59 trillion (30% of U.S. spending, or $4,675 per American) lost to admin bloat toward actual care. Blockchain auditing and AI oversight curb fraud and corruption, which drain billions annually through overbilling and lobbying.
Inspired by Australia's hybrid model, universal public coverage plus private choices, at half our per-capita cost, HumanCare🩵 adds Responsible AI digital innovation for faster matching, personalized plans, and value-based incentives. It outshines purely socialized systems (e.g., Canada/UK's waits) and bureaucratic private mandates (e.g., Germany/Switzerland) by empowering patients as consumers, preserving U.S. innovation, and slashing our $15,500+ per-person costs that yield poor outcomes.
HumanCare🩵 is smarter government enabling competition and prosperity. Dive deeper along with the draft Health Care Act at humancare.app/igniting-american-dream-1
Scoring Healthcare: U.S., U.K., HumanCare🩵, & Australia
Concise Analysis Key Insights for Health Care Policy
This concise analysis updates key performance metrics for 2025 (provisional data from CDC, ONS, ABS, OECD, and Commonwealth Fund Mirror, Mirror 2024).
Ratings (1-100) are composite scores weighted equally on access, cost, outcomes, efficiency, and equity. HumanCare, a proposed U.S. replacement emphasizing $0 out-of-pocket care via a Responsible AI app, FICA bump, and sin taxes, is scored as a potential system overhaul. Focus: Bipartisan opportunities for equity, cost control, and economic growth (e.g., reducing medical debt, boosting GDP via healthier workforce). Grades 🅰 (90-100), 🅱 (80-89), 🅲 (70-79), 🅳 (60-69), 🅵 (0-59).
Structured health care system comparison based on key metrics like structure, access, cost, outcomes
🅳. The U.S. healthcare system scores 65 overall.
Provisional life expectancy for 2025 stands at 78.4 years, with spending per capita estimated at $15,588. The uninsured rate is 8.2% (up from 7.9% in 2023), affecting 27.1 million people. It lags peers in preventable deaths, such as maternal mortality at 18.7 per 100,000 births, and exhibits high inequities, including up to 20-year life expectancy gaps for some groups. Strengths include innovation, but the 17.6% GDP share strains the economy with $5.3 trillion total spend in 2024. Policy note: The 27.1 million uninsured drive over $500 billion in annual administrative waste; reform could save $1 trillion per decade.
https://www.cdc.gov/nchs/products/databriefs/db521.htm
https://www.healthaffairs.org/doi/10.1377/hlthaff.2025.00545
https://www.aha.org/news/headline/2025-09-12-us-uninsured-rate-increase-between-2023-and-2024
https://www.census.gov/newsroom/press-releases/2025/income-poverty-health-insurance-coverage.html
https://www.cdc.gov/nchs/nvss/vsrr/provisional-maternal-deaths-rates.htm
🅱. The U.K.'s NHS scores 82 overall.
Provisional life expectancy for 2025 is 80.8 years, with spending per capita around $6,150. There are 7.4 million on waitlists, with a median elective wait of 13.1 weeks. It offers strong equity with no financial barriers and high cancer survival rates, but weaknesses include staff shortages exceeding 100,000 vacancies and post-COVID strains. At 11.1% of GDP, it maintains efficient administration at 1%. Policy note: The universal model reduces disparities but needs a funding boost; it's adaptable for the U.S. to cut admin costs by 75%.
https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/lifeexpectancies
https://www.healthwatch.co.uk/news/2025-09-11/our-response-new-hospital-waiting-list-data
https://www.kingsfund.org.uk/insight-and-analysis/data-and-charts/key-facts-figures-nhs
🅱. The proposed HumanCare🩵 system for the U.S. scores 85 overall.
HumanCare🩵 projects an increase of 2-5 years in life expectancy for low-income groups (to 80-83 years). Total spending is estimated at $5 trillion (~$15,000 per capita, funded by $6.24 trillion from existing budgets plus FICA and sin taxes). It achieves 0% uninsured with universal $0 out-of-pocket care. It targets 30% fewer hospitalizations, 20-30% fewer overdose deaths, and AI app-driven fraud cuts saving $140 billion. Equity focuses include sickle cell care, but risks involve tax hikes (but save working falilies $1,667 per month) per household and 200-400,000 job losses. Policy note: Described as "capitalism with a boost," it could surge GDP by $6-10 trillion per decade, reduce bankruptcies by 200,000 per year, and offer bipartisan appeal through free-market doctors (Mushet, 2025; https://humancare.app/igniting-american-dream-1).
56 References
🅰. Australia's Medicare system scores 91 overall.
Provisional life expectancy for 2025 is 83.4 years, with spending per capita estimated at $9,597. It has 0% uninsured due to universal coverage, with 28% reporting GP waits longer than acceptable. It delivers top global outcomes, such as low infant mortality at 2.7 per 1,000 births, and high satisfaction at 66.4% for preferred GP access. At 9.9% of GDP, it achieves efficient administration at 3.8%, with equity supported by subsidies and private add-ons reducing public load. Policy note: The hybrid model preserves choice and saves $8.5 billion annually via bulk-billing incentives; U.S. adoption could add 2-3 years to life expectancy.
https://www.optimumpensions.com.au/life-expectancy-on-the-rise-down-under/
https://www.abs.gov.au/statistics/health/health-services/patient-experiences/latest-release
https://www.macrotrends.net/global-metrics/countries/aus/australia/infant-mortality-rate
https://www.aihw.gov.au/reports/health-welfare-expenditure/health-expenditure
https://www.abc.net.au/news/2025-10-10/bulk-billing-incentive-boost-may-not-flow-for-years/105877228
Key Insights for Health Care Policy Action
- U.S. Challenges & Opportunities: Despite top innovation, high costs and 8.2% uninsured rate exacerbate inequities (e.g., racial mortality gaps 20%). HumanCare could elevate U.S. to 85+ by mimicking Australia's universality, saving families $20K/year while preserving private options. Economic boost: Free care frees 40% of budgets, adding $100-200B consumer spending.
- Lessons from Peers: Australia's hybrid (public base + private extras) balances efficiency/equity at lower cost. U.K.'s equity focus shows universal coverage cuts disparities but needs U.S.-style innovation to address waits.
- HumanCare🩵 Feasibility: Scores high on access/outcomes but deducts for transition risks. As advocate, emphasize equity (e.g., 30% fewer preventable deaths); for Congress, highlight $1.2T savings via AI fraud reduction and $6-10T growth from healthier workforce.
- Recommendations: Prioritize phased hybrid reform (e.g., expand Medicare base with FICA bump, sin taxes for funding). Monitor 2025 data for post-unwinding uninsured spikes.
HumanCare🩵, For Your Families Health
HumanCare🩵 is redefining what it means to care for one another, harnessing Responsible AI to rebuild health, housing, and hope across America. By freeing families from crushing medical and housing costs, empowering providers, and driving economic growth, we’re turning innovation into opportunity and transforming the American Dream into a living, breathing reality for every generation.
Passing the Health Care Act and Housing Care Act, Consumer Net: Frees >40% of working family budgets, adding $100-200B annual Consumer spending power.
⚙️ How it Works
✔️ Government sets Responsible AI Frameworks, Risk Assessments, KPIs, and Sustainability for the HumanCare🩵 app: 📱Book, 🚕Ride, 🩺Care, 💳Pay - replacing inefficiencies with market-driven efficiency.
✔️ AI lottery selects 163M federal lots for 2023 taxpayers, with 3% loans for homebuilding.
✔️ Private sector provides free-market healthcare and affordable homes, breaking barriers to access.
💰 Consumer spending is 68% of U.S. GDP, but households face >$18T debt & $1.21T credit card burdens
HumanCare🩵 (Health Care Act) innovative solutions
✅ Free-Market Access: Free care for all, saving families $1,667/mo.
✅ AI Optimization: HHS app streamlines bookings; direct provider billing.
✅ Fraud Elimination: Cuts $140B waste/yr, adding $1.2T to Treasury.
✅ Health Gains: Reduces hospitalizations 30%, overdose deaths 20–30%, extends life 2–5 yrs, prevents 200K bankruptcies.
✅ Empowerment: Doctor choice, rural access, weekly payments, reduced admin.
🏛️ Please urge Congress to pass the Health Care Act, reignite a stronger America
What the Health Care Act 🩺 Does
2026, Health Care for All
- Proposed, Effective 2026, covers all U.S. citizens with free-matket healthcare: preventive, emergency, mental health, prescriptions, dental/vision, etc., no copays.
- Doctors and Providers would be paid weekly by HHS at negotiated rates; "Signature Doctors" charge extra for premium services (disclosed pricing on the app), paid for by the Patient when they receive the care.
HHS app and Financial Impact
⚙️Responsible AI-Powered HHS App
⚙️Responsible AI-Powered HHS App
⚙️Responsible AI-Powered HHS App
- ✅ Benefits: 30% fewer hospitalizations, 20-30% fewer overdoses (~81K in 2024—CDC), +2-5 years life expectancy for low-income.
- ✅ Agentic Experiences: Predicts needs (e.g., overdose alerts from wearables).
- ✅ Workflows: Data ingestion, inference, output with explainability (SHAP, LIME).
📊 Financial Impact
⚙️Responsible AI-Powered HHS App
⚙️Responsible AI-Powered HHS App
- ✅ Saves $140 billion in fraud/waste (OIG 2024).
- ✅ $1.2 trillion surplus from efficiencies.
- ✅ Funding: Existing budgets ($3.3T), FICA hike (~$1.3T), new taxes on junk food/cannabis (~$667B).
- ✅ Working family savings: $1,667/month.