HEALTHCARE & HOUSING POLICIES, WITH ACTS, FOR CONGRESS

Page Number                     Subject

1..Introduction: Igniting the American Dream

1..Abstract

2..Current State of the U.S. Health Care and Affordable Housing Crisis

3..Economic Strain on Consumers and GDP Impact

3..Encouraging Congress to Choose: Saving the American Dream!

5..What Does the Health Care Act Do?

5..Designing the HHS App: Agentic, Human-Centered Experiences 

7..AI Workflows: The Backbone of Seamless, Ethical Implementation 

7..What Does the Housing Care Act Do?

8..Bold '70s Style Human-Centered AI Solutions and Grok Analysis

8..How It Works: Government, Private Sector, and Consumer Roles

9..Executive Summary of HumanCare🩵 and American Dream Lottery🏠

9..10-Point Overview of the $6 - 10 Trillion Prosperity Plan

11..Responsible AI's Role in Revolutionizing HumanCare🩵 and American Dream Lottery🏠

12..HumanCare🩵 Responsible AI-Empowered Benefits

13..American Dream Lottery🏠 Responsible AI-Empowered Benefits

14..Key Performance Indicators (KPIs) for HumanCare🩵 and American Dream Lottery🏠

14..HumanCare🩵 Operational, Outcome, and Responsibility KPIs

16..SHAP Explanation, Fraud Detection Chart Mockup

17..American Dream Lottery🏠 Operational, Outcome, and Responsibility KPIs

18..Tools and Frameworks for Responsible AI Risk Assessments

20..Sustainability, AI Data Centers, Neighborhood Development Impact HumanCare🩵

22..U.S. Healthcare Spending 2024, Pie Chart, Health Care Services vs. Administration

22.. Consumer CPI, Positive Impacts with Health Care Act and Housing Care Act 

22..Video: HumanCare🩵 App, Book Ride, Care, Pay - Overview

23..HumanCare🩵 (The Health Care Act)

24..HumanCare🩵 Overview and Financial Impact

25..Health Impact of HumanCare🩵

25..Federal, State, and Territory-Level Financial Impacts

27..Implementation Feasibility and Considerations/ Conclusion

28..HumanCare🩵 Questions and Answers

30..Where the Federal Money Comes From, to Pay for HumanCare🩵

31..New Unhealthy Products and Cannabis Tax Revenue to Help Fund HumanCare🩵

33..Why Taxing Junk Food and Encouraging Nutritious Food Matters

35..Current Health Budget & New Tax Revenue Totals to Fund HumanCare🩵

37..What Care Would HumanCare🩵 Cover?

40..Video: American Dream Lottery🏠

41..American Dream Lottery🏠 (The Housing Care Act)

42..Economic Stimulus from the new Home Construction

43..Federal Land Availability and Valuation

44..Hero Village Option for Specific Professions, High Density Areas

46..Example Cities for Hero Village-Style High-Density Developments on Federal Land

50..Map of Hero Village Site Locations

50..Hero Village Land Swap Option for All Cities, States, and Territories

51..Future New Adult or New Citizen, American Dream Lottery🏠, 12 Year Cycle Option

51..Conclusion, American Dream Lottery🏠

51..Legislative Proposal for Congress: Health Care Act and Housing Care Act

51..Overview and Congressional Consideration

52..The Health Care Act (Full Draft, with HumanCare🩵) 

56..Alternative Approach: Aligning H.R. 3069 with HumanCare🩵, for Health Care Act

57..The Housing Care Act (Full Draft, with American Dream Lottery🏠)

61..References

65..Disclaimer

What does the Health Care Act do?

1️⃣ Define the junk: Congress would determine what 'junk food' is, vs. from nutritious food.

2️⃣ Tax it for healthcare funding: A graduated tax up to 100% on junk food, unhealthy products, and cannabis, phased in over 3 years to allow industry adaptation, similar to sin taxes on tobacco. Revenue projections assume 50% compliance initially, per IRS data on excise taxes.

3️⃣ ‘Free’ health care for all: Those taxes and a FICA bump fund HumanCare🩵, $0 healthcarefree-market, private-practice healthcare for every American.

HumanCare🩵 offers free, $0-cost healthcare via an AI-powered HHS app. Up to $140 billion in potential Fraud, Waste, and Abuse across Medicare and Medicaid, per CMS 2024 Improper Payment Report and OIG Semi-Annual Report to Congress. HumanCare🩵's AI could integrate with CMS's existing Fraud Prevention System (FPS) for real-time anomaly detection. It reduces taxpayer anxiety by eliminating premiums, copays, and inefficiencies while maintaining a free-market system - patients choose doctors, with “Signature Doctors” charging above HHS negotiated rates (when disclosed in the app pricing). Doctors win with direct HHS billing and weekly pay.

Designing the HHS App: Agentic, Human-Centered Experiences

To ensure HumanCare🩵 delivers seamless, empathetic care, the HHS app will leverage agentic systems, proactive AI that senses, predicts, and acts on user needs, shifting from reactive automation ("if X, then Y") to adaptive experiences that anticipate human complexity. 

Drawing on human-centered design (HCD) principles, the app prioritizes empathy before efficiency: shadowing real patient journeys to understand frustrations like confusing portals, ensuring accessibility with clear language and multimodal interfaces (voice, text, visual), and contextual adaptation for emotional and physical realities.

Digital-first imperatives include omni-channel orchestration (e.g., starting a booking in the app and continuing via SMS without repetition), a unified data fabric integrating clinical records, wearables, and patient reports for real-time nudges (like early fatigue alerts to prevent hospitalizations), and trust through transparency, explaining every action's "why" (e.g., "This ride suggestion is based on your recent labs and location").

Imagine a patient's wearable detecting early overdose risks, cross-referencing with history, and alerting the care team before crisis; or the app adjusting appointment slots for complex cases. This agentic approach, powered by Responsible AI, ensures providers and patients thrive in a free-market system.

With HumanCare🩵, we could achieve:

✅ Up to 30% fewer preventable hospitalizations

✅ 20–30% fewer overdose deaths

✅ 2–5 additional years of life expectancy for low-income groups

✅ 200,000 fewer medical bankruptcies per year

To bring agentic, human-centered AI to life in the HHS app, HumanCare🩵 relies on robust AI workflows, structured pipelines that ensure data flows securely from input to output while upholding Responsible AI principles. These workflows transform raw user data (e.g., wearable metrics or appointment history) into proactive, personalized care, minimizing errors and maximizing trust.

Key AI workflow stages include:

• Data Ingestion and Preparation: Securely aggregating multimodal inputs (e.g., voice queries, lab results, geolocation) with privacy-by-design encryption, filtering for biases via automated audits to prevent disparities in care recommendations.
• Model Inference and Adaptation: Real-time processing using lightweight, edge-deployed models that predict needs (e.g., overdose risk alerts) and adapt via federated learning—updating across devices without centralizing sensitive data.
• Output Generation and Monitoring: Delivering empathetic responses (e.g., "Based on your labs, here's a ride to your doctor, why this matters for you") with explainability layers (like SHAP values for transparency), followed by continuous monitoring for drift or anomalies, triggering human oversight if thresholds are breached.
• Feedback Loop and Iteration: User interactions feed back into the system for iterative improvement, with KPIs tracking equity (e.g., 95%+ fair outcomes across demographics) and efficiency (e.g., <2-second response times).

By embedding these workflows, HumanCare🩵 not only cuts administrative waste by 25–30% but also scales nationally without compromising safety, empowering doctors, rideshare partners, and families in a truly free-market ecosystem.

What does the Housing Care Act do?

1️⃣ Land jackpot: Congress frees up 163 million federal land lots for housing, using Responsible AI.

2️⃣ Land jackpot: Congress authorizes the release of up to 163 million federal land lots for housing, subject to environmental reviews under NEPA and consultations with tribal nations. This builds on the Federal Land Policy and Management Act (1976) for sustainable use.

3️⃣ Pick your prize: Take the land’s appraised value, pass it to your kids, or build an affordable home with a $0-down, 3% HUD loan, up to $250,000.

The American Dream Lottery🏠 turns unused, untaxed federal land into 16 million affordable homes, fueling $6-10 trillion in economic activity. Critics can call it what they want, but it's economic growth, healthier lives, and a real shot at prosperity for all taxpayers. Let’s save the American Dream!

My bold '70s style human centered AI-Empowered solutions use my ideas, AI, & the latest technology to address our U.S. health care and affordable housing challenges. Grok 3, X AI reviewed these plans and dubbed my plans 'Capitalism with a boost.' Here is the Grok analysis quote from the in-depth review below:

"Final Call: This isn’t communist-it’s too profit-friendly and property-focused. It encourages free market capitalism by unleashing opportunities (land, healthcare access) and incentivizing private action (building, premium services), but it’s not pure capitalism-government’s a big player, not a bystander. Call it “capitalism with a boost”: a market-driven vision with a hefty public kickstart. Ken’s right to claim the capitalist label, but the scale of state involvement nods to bipartisan pragmatism-neither red nor blue, just American Dream green." Grok 3/15/25

Capitalism with a boost 🚀, government kickstarts, private sector builds, and AI keeps it fair, fast, and efficient. 

⚙️ How It Works

Responsible AI, the "How" of implementation, encompasses ethical principles, practices, and frameworks for accountable, transparent, fair, and safe AI development and deployment. Organizations like AWS, Google, IBM, and Microsoft could partner on the HHS app's backend for SOC 2 compliance and low-latency edge AI. Key investment risks include data privacy breaches (mitigated by GDPR-inspired standards) and adoption rates (projected at 70% within 2 years via incentives).

As a catalyst, Responsible AI enables government, private sector, and consumers to drive economic prosperity with equitable healthcare and housing access. Without congressional action, rising Gini coefficients (U.S. Census Bureau) could deepen divides and erode the middle class. Yet, bipartisan support and state pilots could foster inclusive growth, reclaiming America's vitality.

Some may hesitate to adopt this tech due to religious, personal, or accessibility reasons; alternatives, including caregiver support and non-digital options, ensure equitable access. HumanCare participation is voluntary, those with concierge services need not enroll, empowering millions facing barriers to affordable, free-market healthcare.

➤ Government sets Responsible AI Tools, Frameworks, Risk Assessments and KPIs for the HHS HumanCare🩵 app, to book care, get rides, and pay doctors. Government and Responsible AI also determine the 163 million lots to give all 2023 taxpayers, then issues them through the American Dream Lottery🏠, and HUD provides low interest loans to those that want to build homes on their lots.

➤ Private sector delivers free-market, quality health care and builds quality affordable homes.

➤ Consumers/taxpayers pay less and get more.

Executive Summary of the Transformative HumanCare🩵 and the American Dream Lottery🏠 Plans

☑️ HumanCare🩵 and the American Dream Lottery🏠 are transformative initiatives designed to revolutionize healthcare and housing in America.

☑️ HumanCare🩵 provides free, comprehensive healthcare to all U.S. citizens, covering everything from prenatal care, preventive care and emergency care, to end-of-life services with no premiums, copays, or deductibles.

☑️ It’s funded through existing HHS budgets, increased FICA Medicare contributions (still costs much less), and new taxes, aiming to generate a surplus while cutting administrative waste and fraud.

☑️ Meanwhile, the American Dream Lottery🏠 grants every 2023 U.S. taxpayer a federal land lot or its cash equivalent, paired with no down payment, low-interest loans for home construction for those that want to build.

☑️ Together, these programs stimulate economic growth, promote sustainability, create jobs, and address healthcare and housing inequities, fostering long-term prosperity.

'The American Dream is a myth.' Joseph Stiglitz (Nobel Prize-winning economist)

✅ Partnerships and Policies:Private sector tech innovation (HHS app) and community-focused reforms (lottery, loans) complement government action, all guided by carefully designed, sustainable policies.

✅ Expanding Access: HumanCare🩵and free prescriptions ensure healthcare for all, while the American Dream Lottery🏠 and $0 down, low interest loans make housing attainable.

✅ Controlling Costs:The healthcare surplus and low-interest loans tackle rising costs in both sectors.

✅ Increasing Supply:The HumanCare🩵 AI-powered HHS app boosts healthcare efficiency, and federal land distribution expands housing availability.

✅ Addressing Inequities: Universal coverage and equitable land grants prioritize underserved populations.

✅ Mutual Reinforcement:Stable homes improve health outcomes, and good health supports economic stability for housing.

'The U.S. health care system is by far the most expensive in the world, yet it fails to deliver better health outcomes.' Paul Krugman (Nobel Prize-winning economist)

10 Point Overview of the $6 - 10 Trillion Transformative Prosperity Plan for the United States, HumanCare🩵 and American Dream Lottery🏠

1️⃣ Massive Job Creation

Creates 12.1 million jobs across construction, healthcare, and related sectors (2.97 jobs per $1 million in spending), offsetting administrative job losses and reinforcing the link between stable employment, housing stability, and better health through robust economic activity. Some job retraining would be necessary, such as healthcare administration training to provide direct care to patients.

2️⃣ Immediate Tax Revenue

Generates $407.5 billion in immediate tax revenue from housing-related activity (e.g., 10% combined sales, property, and income taxes on $4.075 trillion), providing a sustainable funding stream to reinvest in healthcare and housing initiatives while boosting federal and state economies.

3️⃣ Economic and Health Benefits

Injects $6 - 10 trillion into the economy, stabilizes future U.S. debt with healthcare surpluses, and improves health outcomes (e.g., Potentially: 30% fewer preventable hospitalizations, 20-30% fewer overdose deaths, and 2-5 years added life expectancy for low-income groups). Plus eliminate the 200K medical bankruptcies per year.

4️⃣ HHS App, Responsible AI Innovation

Increases healthcare supply with an Uber-like HumanCare🩵 HHS Responsible AI app for booking appointments, doctors & medical providers direct billing to HHS, and managing free prescriptions - cutting administrative overhead while partnering with private tech innovators to enhance efficiency and deliver seamless care so that patients and providers thrive. Free healthcare at your fingertips!

5️⃣ Free Prescriptions and Medical Provider Support

Expands access to all medications at no cost under HumanCare🩵 and supports providers by enabling physicians and care professionals to operate small businesses with simple, direct HHS app billing - fostering doctor-patient relationships and equitable healthcare, efficiently delivered.

6️⃣ $1.2 Trillion Healthcare Surplus

HumanCare🩵 generates a $1.2 trillion surplus by cutting administrative waste, funded by budgets, increased contributions, and taxes, to lower healthcare premiums for families.

7️⃣ $0 Free-Market Healthcare via Responsible AI-Empowered HumanCare🩵

Expands access by introducing HumanCare🩵, a comprehensive healthcare system with no premiums, copays, or deductibles for all U.S. citizens, covering preventive care, emergencies, mental health, prescriptions, dental, and end-of-life care, eliminating the  127.1 - 32 million uninsured (8% - 10% of population) and addressing inequities in underserved communities.

8️⃣ American Dream Lottery🏠 Increases housing supply by granting every 2023 U.S. taxpayer (approximately 163 million) a federal land lot (or its cash value), using Responsible AI to identify and select vacant federal land to build on (e.g., BLM’s 244M acres), as well as the opportunity for a no down payment, low interest Construction loan, addressing inequities by offering all citizens a fair shot at homeownership.

9️⃣ $0 Down, Low Interest, Construction Loans Controls housing costs with $0 down, 3% interest HUD loans up to $250,000 for land lottery taxpayer winners, sparking $4.075 trillion in construction spending, if 1 in 10 builds, demonstrating mutual reinforcement as affordable homes improve health outcomes and stimulate economic growth. (Or the Appraised Value of their Rural-to-Suburban 3,500 sq. ft. Lot, which may be approximately $5K - $140K per Lot)

🔟 Global Confidence and Prosperity Restores faith in U.S. governance through innovative, government-led Responsible AI solutions paired with private and community partnerships & driving long-term prosperity with increased consumer spending and housing stability.

Responsible AI integration propels HumanCare🩵, an AI-powered HHS app providing free, universal healthcare, and the American Dream Lottery🏠, distributing federal land for affordable housing. To demonstrate the feasibility and credibility of these AI-driven solutions, HumanCare🩵 was entered into the CMS Fraud-Crushing Competition, a market-based research challenge, seeking explainable AI for Medicare fraud detection, as a Phase 1 proposal, leveraging Python-based tools for advanced fraud detection and an Rideshare-style app for seamless service delivery.

HumanCare🩵 proposes a robust, explainable AI framework tested on synthetic data (achieving F1-scores >0.85, aligned with benchmarks for healthcare fraud models) and designed for real-world CMS integration, ensuring scalability while maintaining transparency, human oversight, and compliance with standards like HIPAA for data privacy. Here's how AI technology enables these initiatives to make life more human, drawing on best practices such as real-time anomaly detection and interpretable ML to prevent fraud while minimizing biases, without revealing proprietary implementation details.

HumanCare🩵, Responsible AI-Empowered Benefits:

• Efficient Appointment Booking and Access: AI employs advanced matching algorithms, incorporating real-time data on patient needs, provider availability, and geographic location to minimize wait times. This powers an Uber-like HumanCare🩵, HHS Responsible AI-empowered app that not only books appointments but also coordinates transportation, optimizing logistics through predictive modeling to enhance accessibility for all users, reducing administrative overhead by up to 70% per CMS benchmarks.
• Fraud, Waste, and Abuse Detection: Drawing from the CMS competition proposal and best practices in AI-driven fraud prevention, AI utilizes a hybrid ensemble of models, including gradient-boosted trees, graph neural networks, and Bayesian anomaly detection, implemented in Python to analyze billing patterns and identify systemic fraud archetypes (e.g., upcoding in hospice claims or phantom billing in DME). Integrated with SHAP (SHapley Additive exPlanations) for interpretable attributions, a causal inference layer (via libraries like DoWhy), and additional XAI tools like OmniXAI for omni-modal explanations, it distinguishes true fraud from noise, slashing $140B in potential Fraud, Waste, and Abuse [CMS 2024; OIG SAR] in annual  inefficiencies. Direct HHS payments to providers are secured and processed weekly, with real-time validation incorporating privacy-preserving techniques (e.g., federated learning) to comply with regulations, reducing labor needs by 70% through proactive flagging and a secure app workflow.
• Personalized Preventive Care: AI leverages anonymized health data to deliver tailored recommendations, screenings, and chronic disease management plans via predictive analytics, potentially cutting preventable hospitalizations by 30% and overdose deaths by 20-30% by identifying at-risk patterns early and suggesting interventions, as supported by data-centric AI approaches in healthcare fraud and care optimization.
• Prescription Management: AI optimizes free prescriptions using interaction-flagging algorithms and adherence-tracking models, facilitating equitable care and contributing to 2-5 years of added life expectancy for low-income groups by ensuring safe, data-driven medication fulfillment, with built-in bias audits to promote fairness.
• Telemedicine and Diagnostics: AI supports virtual consultations and early detection through image analysis  and symptom-based chatbots, powered by secure, scalable models (e.g., using TensorFlow for real-time inference) that eliminate 200K medical bankruptcies yearly by removing premiums and enabling proactive, cost-free  care.
• Resource Optimization: AI forecasts demand using real-time data streams to balance provider workloads, reducing ER strain and administrative overhead while supporting worker retraining programs through efficiency gains, with sensitivity  analysis to handle variable demand scenarios.
• Equity and Transparency: AI ensures unbiased access via fairness-aware algorithms (e.g., incorporating LIME for local explanations), displaying Signature Doctor fees upfront in the app to foster free-market competition, with human-in-the-loop feedback loops (as outlined in Python pseudo-code workflows) refining models for accountability and ethical deployment.

American Dream Lottery🏠, Responsible AI Empowered Benefits:

• Vacant Land Identification and  Division: Responsible AI analyzes geospatial datasets from sources like the Bureau of Land Management (BLM) National Surface Management Agency polygons, satellite imagery, and environmental records to identify vacant federal land (e.g., from BLM's 244M acres). Integrated with blockchain for immutable registry (similar to Medici Land Governance systems), AI algorithms divide suitable areas into standardized lots (e.g., 3,500 sq. ft.), ensuring compliance with zoning and environmental standards via predictive modeling, creating a tamper-proof digital ledger for transparency and fraud prevention in land allocation.
• Fair Lottery Distribution: AI conducts a random, tamper-proof draw for 163M lots using cryptographically secure algorithms enhanced by blockchain smart contracts (e.g., as in Quanta or FairLotto systems), ensuring equity and verifiability among eligible 2023 taxpayers (verified via secure tax records or SSNs). Blockchain records all entries and outcomes on an immutable ledger, preventing manipulation and allowing public audits for full transparency.
• Land Appraisal and Valuation: AI assesses lot values by integrating satellite imagery, geospatial data, and market trend analysis for precise, automated cash equivalents, minimizing bias and expediting distribution through scalable ML pipelines, with blockchain securing valuations against tampering.
• Loan Processing: AI streamlines $0-down, 3% HUD loans up to $250K through automated approvals and risk assessments, employing predictive models to evaluate applications efficiently while complying with regulatory standards and incorporating explainability for appeals, backed by blockchain for secure transaction logging.
• Home Planning and Construction: AI aids winners in designing sustainable homes via optimization tools and local private contractor selection tools that factor in cost, environmental impact, and user preferences, sparking $6-10 trillion in economic activity if 10% build, including $4 trillion in direct construction spending, with economic simulations validated against historical data.
• Economic Forecasting: AI models job creation (12 million+) and tax revenue ($407 billion+) using simulation frameworks, integrating with HumanCare🩵 data for a holistic view of prosperity impacts, including scenario analysis for robustness.

Overall, Responsible AI drives $1.2T surpluses, boosts GDP by trillions, and restores the American Dream through efficiency, fairness, and innovation, representing capitalism with a tech boost. The CMS proposal's focus on explainable AI, human oversight, and phased implementation (from synthetic testing to real LDS data application) underscores the technical viability, positioning these solutions for seamless adoption while addressing potential risks like model drift through ongoing monitoring. A sample Python initialization (non-proprietary) might look like:

python

import xgboost as xgb

# Initialize a simple XGBoost classifier (non-proprietary example)

model = xgb.XGBClassifier(use_label_encoder=False, eval_metric='logloss')

# Train on example data

model.fit(X_train, y_train)  # Placeholder for training data

This underscores technical readiness while inviting collaboration.

Key Performance Indicators (KPIs) for HumanCare🩵 and American Dream Lottery🏠 Plans

These KPIs are aligned with broader mission goals such as equity (ensuring fair access for all citizens), efficiency (reducing waste and costs), transparency (clear reporting and explainability), and improved service delivery (enhancing health and housing outcomes). They incorporate Responsible AI-specific elements like the HHS app for HumanCare🩵 (e.g., fraud detection, appointment booking) and Responsible AI tools for the Lottery (e.g., land appraisal, fair distribution).

HumanCare🩵 KPIs (Health Care Act: AI-Powered Universal Healthcare via HHS App)

Operational KPIs

• HHS App Uptime and Processing Speed: Percentage of time the app is available and average time to book an appointment or process a claim. 
• Benchmark/Target: 99.5% uptime(based on Uber-like apps); <30 seconds for bookings (CMS app benchmarks).  
• Monitoring Method: Automated dashboards with real-time logs; integrate ClearML for model monitoring. 
• Alignment: Ensures efficient service delivery, supporting fraud reduction and weekly provider payments.
• Fraud Detection Accuracy: Rate at which AI identifies fraudulent claims (e.g., using ensemble models like XGBoost and SHAP for explanations). 
• Benchmark/Target: F1-score  >0.85 (from the CMS competition entry); reduce fraud/waste ($140B annually from $2.7T in inefficiencies). 
• Monitoring Method: Monthly audits via OmniXAI reports; compare against OIG estimates. Alignment: Directly cuts $140 billion in waste/abuse, generating $1.2 trillion surplus.
• Administrative Efficiency Rate: Percentage reduction in administrative labor costs through AI automation (e.g., direct HHS billing). 
• Benchmark/Target: 70% reduction; offset 227,600-446,500 job losses with retraining programs. 
• Monitoring Method: Track via HRSA/CMS data integrations; use LIME for model transparency in automation decisions. 
• Alignment: Streamlines operations, freeing funds for care and saving families $1,667/month.

Outcome KPIs

• Uninsured Rate Reduction: Percentage of U.S. citizens with healthcare coverage. Benchmark/Target: From 10% uninsured (32M people) to 0% by end of Year 1. Monitoring Method:  Annual Census Bureau surveys integrated into HHS app analytics. Alignment: Achieves universal access, eliminating 200,000 medical bankruptcies/year.
• Health Outcome Improvements: Composite score including reductions in preventable hospitalizations, overdose deaths, and life expectancy gains. 
• Benchmark/Target: 30% fewer hospitalizations; 20-30% fewer overdose deaths (from 81,000/year); +2-5 years for low-income groups (based on Framingham Study data).
• Monitoring Method: Track via anonymized HHS app data; use predictive analytics for trends. 
• Alignment: Delivers measurable health benefits, supporting preventive care and equity.
• Family Savings and Economic Impact: Average monthly savings per family and surplus generated. 
• Benchmark/Target: $1,667/month savings (from premium elimination); $1.2T annual surplus. 
• Monitoring Method: IRS/FICA data cross-referenced with HHS reports. 
• Alignment: Boosts consumer spending (68% of GDP) and offsets FICA increase.

Responsibility KPIs

• Bias and Equity in AI Matching: Disparity rate in appointment access or care recommendations across demographics (e.g., income, race, rural/urban).
• Benchmark/Target: <5%  disparity (using Fairlearn metrics); audited for compliance with HRIAs. 
• Monitoring Method: Regular audits with IBM AI Fairness 360; public reports on demographic outcomes. 
• Alignment: Ensures non-discrimination, aligning with human rights and equity goals.
• Transparency in AI Decisions: Percentage of AI outputs (e.g., fraud flags, recommendations) with explainable attributions. 
• Benchmark/Target: 100% explainability (via SHAP/LIME); address risks per NIST AI Risk Management  Framework. 
• Monitoring Method: Integrated into HHS app; annual IEEE Ethically Aligned Design reviews. 
• Alignment: Builds trust supports HIPAA compliance, and mitigates biases in personalized care.
• User Satisfaction and Privacy Compliance: Net Promoter Score (NPS) for app users and rate of privacy incidents. 
• Benchmark/Target: NPS >70 (public sector benchmark); 0 major breaches (using Google's Differential Privacy Library). 
• Monitoring Method: User feedback surveys; NIST Privacy Framework audits. 
• Alignment: Enhances public impact, protecting sensitive data in telemedicine and  prescriptions.

American Dream Lottery🏠 KPIs (Housing Care Act: AI-Powered Land Distribution and Housing)

Operational KPIs

• Land Identification and Appraisal Accuracy: Percentage of lots accurately identified and appraised using Responsible AI (e.g., geospatial analysis with blockchain). 
• Benchmark/Target: 95% accuracy (based on BLM data benchmarks); appraise 163M lots within 12 months. 
• Monitoring Method: AI dashboards with satellite imagery validation; use ISO/IEC 23894 for risk management. 
• Monitoring Method: Supports  efficient distribution from 414M acres of federal land.
• Lottery Fairness and Processing Speed: Randomness verification score and time to notify winners. 
• Benchmark/Target: 100% verifiability (via blockchain like FairLotto); <30 days for notifications. 
• Monitoring Method: Cryptographic audits; real-time reports. 
• Alignment: Ensures tamper-proof equity for 163M taxpayers.
• Loan Processing Efficiency: Average time to approve HUD loans and error rate in AI risk assessments. 
• Benchmark/Target: <15 days approval (from application); error rate <2% (using predictive models). 
• Monitoring Method: HUD app integrations; monitor with ClearML. 
• Alignment: Facilitates $0-down, 3% loans up to $250K, sparking construction.

Outcome KPIs

• Housing Supply Increase: Number of new homes built and percentage of winners opting to build.
• Benchmark/Target: 16.3M homes if 10% build (from 163M lots); add 11.5% to U.S. housing stock. 
• Monitoring Method: HUD annual reports; economic simulations. 
• Alignment: Addresses affordability crisis, stimulating $6-10T economic surge.
• Job Creation and Economic Stimulus: Jobs created and total economic activity generated. 
• Benchmark/Target: 12.1M jobs (2.97 per $1M spending); $4.075T direct + $8.15T total impact. 
• Monitoring Method: NAHB multipliers; tax revenue tracking ($407.5B). 
• Alignment: Boosts GDP, provides tax revenue for reinvestment.
• Homeownership Rate Improvement: Percentage increase in U.S. homeownership, especially fo underserved groups. 
• Benchmark/Target: From 65% to 70%+; equitable access for low-income/rural winners.
• Monitoring Method: Census data; winner surveys. 
• Alignment: Revives American Dream, fostering stability and family growth.

Responsibility KPIs

• Equity in Land Distribution: Disparity rate in lot quality/value across demographics.
• Benchmark/Target: <5%  disparity (using IAF metrics); audited for environmental compliance. 
• Monitoring Method: Geospatial audits with Fairlearn; public blockchain ledger.
• Alignment: Prevents bias in AI division, ensuring fair shots for all.
• Environmental and Zoning Transparency: Percentage of lots compliant with standards and explainability of AI decisions. 
• Benchmark/Target: 100% compliance (per ISO/IEC 42001); full audit trails. 
• Monitoring Method: NIST frameworks; annual reports. 
• Alignment: Mitigates risks in land use, promoting sustainable development.
• User Satisfaction and Fraud Prevention: NPS for lottery participants and rate of fraud incidents. 
• Benchmark/Target: NPS >70; 0 major frauds (using blockchain security). 
• Monitoring Method: Feedback via HUD app; Microsoft's Presidio for data protection.
• Alignment: Builds trust, addresses inequities in housing access.

These KPIs provide a balanced framework for tracking progress. Starting with pilots (e.g., in select states) to refine benchmarks, and use tools like the NIST AI Risk Management Framework for ongoing governance.

Tools and Frameworks for Responsible AI Risk Assessments

Here are tools and frameworks for Responsible AI impact assessments and risk management, with descriptions of the tools framework's purpose and functionality. These can be used for the government AI impact assessment of HumanCare🩵 and American Dream Lottery🏠.

Tools

1. Adversarial Robustness Toolbox (ART) Purpose: Tests AI model robustness against adversarial attacks. Functionality: Open-source library by IBM for evaluating and improving model security. Ensures resilience for high-stakes systems like lotteries or healthcare AI. Alignment: Supports NIST MANAGE (security risks); strengthens federal compliance.
2. AI Now Institute’s Algorithmic Impact Assessment Purpose: Evaluates societal consequences of AI systems. Functionality: Framework for assessing equity, fairness, and public welfare impacts, particularly in public-sector applications. Ideal for American Dream Lottery🏠’s societal impact. Alignment: Aligns with NIST MAP/MEASURE; supports OMB equity requirements.Fairlearn Purpose: Mitigates fairness-related risks in AI models. Functionality: Open-source Python library with algorithms and metrics to assess and reduce bias, ensuring equitable outcomes. Critical for American Dream Lottery🏠 to prevent discriminatory allocations. Alignment: Supports NIST MEASURE (fairness metrics); auditable for federal use.
3. Google’s Differential  Privacy Library Purpose: Protects sensitive data in AI models. Functionality: Open-source library implementing differential privacy by adding controlled noise to datasets/outputs. Ensures privacy for HumanCare🩵’s sensitive health data. Alignment:  Aligns with NIST Privacy Framework and MANAGE function.
4. Google’s What-If Tool Purpose: Analyzes and visualizes bias in AI models. Functionality: Interactive, open-source tool integrated with TensorFlow. Enables counterfactual analysis and fairness exploration, supporting audits for both projects. Alignment: Supports NIST MAP/MEASURE; enhances transparency.
5. IBM’s AI Fairness 360 Toolkit Purpose: Detects and mitigates bias in machine learning models. Functionality: Open-source Python library with metrics, algorithms, and visualizations to ensure fairness across protected groups. Supports equitable outcomes for American Dream Lottery🏠. Alignment: Aligns with NIST MEASURE; widely adopted for bias audits.
6. LIME (Local Interpretable Model-Agnostic Explanations) Purpose: Enhances AI model transparency. Functionality: Open-source tool explaining individual predictions by approximating complex models with interpretable ones. Supports audits for stakeholder trust in both projects. Alignment: Supports NIST MEASURE (transparency); auditable for federal use.
7. Microsoft’s Presidio Purpose: Protects sensitive data in AI systems. Functionality: Open-source tool for detecting and anonymizing PII in text/datasets. Ensures compliance with privacy regulations for HumanCare🩵. Alignment: Aligns with NIST Privacy Framework and MANAGE function.
8. SHAP (SHapley Additive exPlanations) Purpose: Interprets AI model predictions. Functionality: Open-source tool using game theory to assign feature importance scores, enhancing transparency and trust. Supports model audits for both projects.  Alignment: Supports NIST MEASURE; ensures explainable outcomes.

Frameworks

1.  Human Rights Impact Assessments (HRIAs) Purpose: Evaluates AI impacts on fundamental human rights (e.g., privacy, non-discrimination). Functionality: Offers a systematic approach to ensure AI aligns with international human rights standards. Critical for high-stakes applications like lotteries or healthcare. Alignment: Aligns with NIST GOVERN and State Department’s AI-Human Rights Profile. 
2. IEEE's Ethically Aligned Design Purpose: Ensures AI systems prioritize human well-being and ethical principles. Functionality: Provides practical recommendations for transparency, accountability, and human-centered design. Useful for ethical governance in both projects. Alignment: Supports NIST GOVERN; referenced in federal ethical AI discussions.
3. Impact Assessment Framework for AI (IAF) Purpose: Guides ethical and societal risk assessments for AI deployments. Functionality: Provides a structured methodology to identify and mitigate risks to ethical principles (e.g., fairness, accountability) and societal values. Adaptable to U.S. contexts for client projects. Alignment: Supports NIST GOVERN/MANAGE; complements federal equity goals.
4. ISO/IEC 23894 Purpose: International standard for AI risk management. Functionality: Offers a structured approach to identify, assess, and mitigate AI safety and security risks. Ensures global compliance, supporting federal interoperability goals. Alignment: Complements NIST AI RMF MAP/MANAGE functions.
5. ISO/IEC 42001 Purpose: Establishes AI management systems for high-risk AI. Functionality: Provides guidelines for governance, safety, and ethical compliance. Frequently referenced in U.S. policy for structured risk management in client projects. Alignment: Supports NIST GOVERN; aligns with OMB M-24-10 for high-risk systems.
6. NIST AI Risk Management Framework (AI RMF 1.0) Purpose: Provides a comprehensive, voluntary framework to manage AI risks across the lifecycle. Functionality: Structured around four core functions, Govern (oversight), Map (contextual risk identification), Measure (quantitative/qualitative risk assessment), and Manage (risk mitigation). Includes supporting resources like the AI RMF Playbook, Roadmap, and Generative AI Profile (2024). Essential for federal  compliance and adaptable for clients (equity). Alignment: Core federal guidance; mandated for U.S. agency AI use under OMB M-24-10.
7. NIST Privacy Framework Purpose: Helps organizations assess and manage privacy risks in AI systems. Functionality: Offers guidelines for implementing privacy controls, ensuring compliance with regulations, and protecting user data. Integrates with AI RMF to address sensitive data risks in Safety Kaizen, LLC and clients. Alignment: Supports NIST MAP/MANAGE functions; critical for health data privacy.
8. OECD AI Principles and Framework for AI System Classification Purpose: Provides a risk-based approach to classify and assess AI systems. Functionality: Helps prioritize assessments based on risk levels (e.g., high-risk for clients, limited-risk for low-stakes systems). Internationally aligned, supporting U.S. policy interoperability. Alignment: Supports NIST MAP; enhances risk prioritization for both projects.
9. OMB Memorandum M-24-10 (2024) Purpose: Guides federal agencies in AI governance and risk management. Functionality: Requires AI use case inventories, risk assessments, and mitigation plans for high-impact systems. Provides minimum practices for safety and rights-impacting AI (e.g., lotteries, healthcare). Alignment: Mandates NIST AI RMF adoption; directly relevant to federal assessments.
10. State Department’s Risk Management Profile for AI and Human Rights (2024) Purpose: Assesses AI impacts on human rights in public and private deployments. Functionality: Builds on NIST AI RMF and HRIAs to evaluate risks to privacy, non-discrimination, and freedom of expression. Ideal for ensuring Safety Kaizen, LLC and client projects uphold equity. Alignment: Complements NIST GOVERN/MAP; U.S.-specific human rights focus.

Sustainability, AI Data Centers and Neighborhood Development Impact of HumanCare🩵

At its core, HumanCare🩵 is about building smarter, fairer systems for healthcare and housing without passing today’s problems onto tomorrow’s generations. We believe innovation should lift people up and protect the planet at the same time. That means putting sustainability front and center, whether we’re running AI in data centers for the HHS app or breaking ground on new neighborhoods through the American Dream Lottery🏠.

AI is powerful, but it’s also power-hungry. Data centers can be environmental drains if we don’t rethink how they’re built and operated. The same goes for housing, 16 million new affordable homes could unlock opportunity, but if we use outdated, resource-intensive methods, we risk repeating the mistakes of the past.

“The potential of artificial intelligence (AI) to transform our world is profound, but it also presents critical challenges. As AI scales, so has its environmental footprint, with potential impacts on energy, water, and other natural resources. We simply cannot afford to build our digital future on the infrastructure of the past.”
- Sunya Norman, Senior Vice President, Impact, Salesforce

Smarter Data Centers for AI-Powered Care

The HHS app, powered by AI to detect fraud and personalize care, needs a strong digital backbone. But instead of defaulting to wasteful infrastructure, we can:

• Run on Clean Energy: On-site solar panels and power purchase agreements can cut energy use by 30%+ while making operations cleaner and cheaper.
• Rethink Cooling: Move away from water-intensive systems and embrace air-based or immersion cooling. When water is needed, stick with recycled or non-potable sources, reducing use by up to 90%.
• Optimize Performance: Target a Power Usage Effectiveness (PUE) below 1.2, making systems leaner, greener, and more resilient.

This is good for the planet and it’s smart economics. These practices help ensure the app can deliver a projected $1.2T surplus without saddling us with environmental trade-offs.

Greener Homes, Stronger Communities

The American Dream Lottery🏠 could spark the construction of 16 million homes, a scale we haven’t seen in generations. That’s a once-in-a-lifetime chance to get neighborhood design right. Imagine:

• Solar-First Communities: Homes with solar built in, cutting household energy demand by up to 70% and stabilizing local grids through microgrids.
• Water-Savvy Design: Greywater recycling, low-flow fixtures, and permeable pavements that save water and recharge aquifers.
• Sustainable Materials: Using reclaimed wood and eco-materials, while designing mixed-use, higher-density communities that reduce sprawl and waste.
• Green Infrastructure: Rooftop gardens, tree-lined streets, and community spaces that cool cities, boost biodiversity, and meet LEED/EPA standards.

The upside is massive: healthier families, stronger local economies, and GDP boosting growth that could exceed $10 trillion, all while reducing our environmental footprint.

The Four Lenses of Sustainability

When evaluating these reforms, we see impact across four categories:

1. Environmental: Protect natural resources while meeting rising demand.
2. Social: Expand healthcare access and housing equity, tackling disparities head-on.
3. Economic: Grow GDP sustainably and create pathways to generational wealth.
4. Governance: Build trust through AI transparency, strong building codes, and community-centered decision-making.

A Call to Action for Congress

This is practical policy for a stronger America. Congress has the power to:

• Embed green building codes into federal housing initiatives.
• Incentivize renewable integration in new housing and data centers.
• Enforce transparency and auditability in AI systems.
• Champion community engagement to keep development inclusive and balanced.

If we align policy with innovation, HumanCare🩵 can help us build a future where healthcare and housing reform not only close equity gaps but also strengthen our economy and protect our planet.

The choice is clear: we can continue building on yesterday’s infrastructure or Congress can lead us toward a sustainable future where every community thrives.

 Consumer CPI, Positive Impacts with Health Care Act and Housing Care Act 

The potential Congress Health Care Act (HumanCare🩵) and Housing Care Act (American Dream Lottery🏠) could transform the U.S. economy by addressing healthcare and housing crises via Responsible AI, slashing CPI by 1-3% annually. 

Healthcare (8.273% weight): Saves families ~$20K/year, ends 200K medical bankruptcies, reduces uninsured from 27.1M to 0, cuts overdoses by 20-30%, adds 2-5 years life expectancy for low-income. Funded by $6.24T ($3.3T existing budgets + FICA hike + taxes), yielding $1.24T surplus. Lowers medical index by 3-5%, CPI by 0.2-0.5%. 

Housing (44.201% weight): Grants 163M taxpayers federal land lots ($5K-$140K value) + $0-down 3% HUD loans up to $250K; if 10% build, adds 16.3M homes, creates 12M jobs, $6-10T stimulus. Reduces rents/OER by 5-10%, CPI by 1-2%. Overall, frees >40% of budgets, boosts $100-200B annual spending, enhances prosperity without inflation.

HumanCare🩵 (The 🇺🇸 Health Care Act)

"Of all the forms of inequality, injustice in health care is the most shocking and inhumane." Martin Luther King, Jr. (1966)

"Healthcare must be recognized as a right, not a privilege." Bernie Sanders (Senator Sanders of Vermont, Ranking Member - Senate Committee on Health)

"The way to improve healthcare is to make it more like other goods and services, with competition and consumer choice." Milton Friedman (Nobel Prize-winning economist and free-market advocate)

"Mitigating the physician shortage is critical to improving access to care for all Americans." Bill Cassidy (Senator for Louisiana, He treated uninsured patients as a doctor in Louisiana’s charity hospital system.)

• HumanCare🩵, A $0 care/ meds, full coverage for all care. Doctors & patients thrive!
• A new AI-empowered HHS app, Uber-style, books appts & pays doctors directly. Signature doctors could charge more than the HHS negotiated rate, but patients have the choice to go to any doctor, including a doctor that accepts just the negotiated rate.
• Funded by existing funding + new junk food etc. tax, and a bump in FICA tax. It gives workers freedom and doctors the ability to grow their business and get paid weekly. It is not  totally 'Free’, but it does transform American Health Care now, and cost  families thousands less.

HumanCare🩵 can addresses

☑️ Systemic Failures: Chronic diseases, Fentanyl & Opioid overdose deaths, and poor health outcomes persist in the US, despite top health expertise.

☑️ Job-Tied Coverage: Insurance linked to employment leaves jobless and entrepreneurs exposed.

☑️ High, Hidden Costs: Unregulated prices and surprise bills fuel a medical debt crisis.

☑️ Unequal Access: Income & rural gaps widen health disparities, and criminal convictions for Cannabis cause financial strains for families further limiting access.

☑️ Mental Health & ER Strain: Underfunded care and shortages overburden emergency services and prisons serve as mental care and drug rehab.

HumanCare🩵 could revolutionize U.S. healthcare, offering universal access and significant savings. Success depends on swift implementation, public buy-in, and managing economic impacts.

"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

Overview

HumanCare🩵 Leadership: Robert F. Kennedy, Jr., Secretary of the U.S. Department of Health and Human Services (HHS)

Coverage: All U.S. citizens with a unique Social Security number (~320 million in 2025)

Implementation: September 2025 via Executive Order and funding by Congress.

Objective: Universal, comprehensive healthcare with no premiums, funded through taxes and budget reallocation

Total Financial Impact 💰

Current U.S. Healthcare Spending (2023): $4.9 trillion (public and private)

Proposed HumanCare🩵Funding (2025): $6.24 trillion annually (I made it extra so cuts could be made or unanticipated additional usage are possible.)

FICA Medicare Contribution Increase: $1.3 trillion (rate raised to 4.35% each for employees and employers)

Existing HHS and CMS Budgets: $3.3 trillion (discretionary and mandatory)

Veterans Care: $111 billion

Public Assistance: $862 billion

New Tax Revenues 🧾

(It can't be free, Consumers/taxpayers ultimately pay the price for everything, and the money has to come from somewhere, so here is where I think it can and should come from.)

• Cigarettes: $56 billion (tax raised to $5/pack) 🚬
• Alcohol: $31 billion (tripled tax) 🍷🍺
• E-Cigarettes: $9 billion (100% tax) 🇪🚬
• Junk Food: $521 billion (100% tax on $521B market) 🍫
• Cannabis: $50 billion (100% tax on low-THC, 420% higher): 🍃

Total Projected Cost: $5 trillion annually

Surplus: $1.24 trillion

(Potentially lower, could be used for infrastructure, job retraining, research, or debt reduction)

Health Impact ⚕️

Improved Access: Eliminates financial barriers, reducing uninsured from 10% to 0%

Chronic Disease Management: Potential 30% reduction in preventable hospitalizations (e.g., diabetes). "In the U.S., ultra-processed foods contribute to 58% of total energy intake and are associated with a 31% increased risk of cardiovascular disease incidence among adults." Juul, F, Vaidean, G, Lin, Y. et al. Ultra-Processed Foods and Incident Cardiovascular Disease in the Framingham Offspring Study. JACC. 2021 Mar, 77 (12) 1520–1531.

Mental Health and Addiction: Potential 20–30% drop in overdose deaths (81,000 annually in 2024)

Public Health: Potential 15% reduction in flu hospitalizations with universal vaccination

Equity: Potential life expectancy for low-income groups increases by 2–5 years

Challenges: Potential provider shortages and increased wait times (Independent doctors with innovation and efficient billing could transform healthcare.)

 Federal, State, and Territory Level

Financial Impact 🏛️ 

Financial Impact

Current Budget: $3.4463 trillion (HHS, CMS, HRSA)

HumanCare🩵 Allocation: $3.033 trillion (after FICA and tax revenues)

Savings: $413 billion from consolidation and efficiencies

Surplus: $1.24 trillion

Health Impact

Standardized care quality potentially reduces regional disparities

Immediate coverage for 27.1 - 32 million uninsured (8% - 10% of population)

Jobs Eliminated

Current HHS Workforce: ~87,000

Reduction: 30–50% administrative roles cut (26,100–43,500 jobs) (This is a huge additional savings that would offset more costs in my opinion. Congress can make their own decision and reduce the $1.2 Trillion surplus if they want to.)

State-Level Impact

Methodology

Spending distributed by population and cost variation

Savings from eliminating Medicaid admin costs and premiums

Jobs cut: 20–40% of state health agency staff

Sample Breakdown:

California (Pop: 39M, 11.3%) 🏖️

• Current Spending: $553 billion
• HumanCare🩵 Cost: $565 billion
• Savings: $144 billion (6M families, $24,000/family)
• Jobs Eliminated: 15,000–30,000
• Health Impact: Uninsured drops from 7% to 0%, 20% less ER overuse

Texas (Pop: 30M, 8.7%) ★

• Current Spending: $426 billion
• HumanCare🩵 Cost: $435 billion
• Savings: $96 billion (4M families)
• Jobs Eliminated: 10,000–20,000
• Health Impact: 13% uninsured to 0%, better chronic care

Florida (Pop: 22M, 6.4%) 🌴

• Current Spending: $314 billion
• HumanCare🩵 Cost: $320 billion
• Savings: $72 billion (3M families)
• Jobs Eliminated: 7,000–14,000
• Health Impact: Enhanced elderly care

Total State Jobs Eliminated: 200,000–400,000

Aggregate Savings: $1.2–$1.5 trillion

Territory-Level Impact

Methodology

Scaled to $5T, higher costs due to remoteness

Jobs cut: 20–40%

Breakdown:

Puerto Rico (Pop: 3.2M, 0.93%) 🇵🇷

• Current Spending: $45 billion
• HumanCare🩵 Cost: $46.5 billion
• Savings: $9.6 billion (400K families)
• Jobs Eliminated: 1,000–2,000
• Health Impact: Better rural access

Guam (Pop: 170K, 0.05%) 🇬🇺

• Current Spending: $2.5 billion
• HumanCare🩵 Cost: $2.5 billion
• Savings: $0.5 billion (20K families)
• Jobs Eliminated: 50–100
• Health Impact: Stabilized care delivery

U.S. Virgin Islands (Pop: 87K, 0.03%) 🇻🇮

• Current Spending: $1.5 billion
• HumanCare🩵 Cost: $1.5 billion
• Savings: $0.24 billion (10K families)
• Jobs Eliminated: 20–40
• Health Impact: Fewer cost-related delays
• Total Territory Jobs Eliminated: 1,500–3,000

Aggregate Savings: $12–$15 billion

Implementation Feasibility

Legal Change: Amend Title XVIII of the Social Security Act (1965) via Executive Order and Congressional approval

Funding: New taxes and FICA increase need legislation; resistance from industries and taxpayers possible

Timeline: June 2025 feasible with emergency powers and bipartisan Congress support

Critical Considerations

Economic Disruption: 227,600 - 446,500 job losses require retraining programs

Tax Burden: Any household FICA increase may strain low-income families

Provider Capacity: 320 million covered citizens could overwhelm infrastructure

Conclusion

HumanCare🩵 could transform U.S. healthcare, offering access to all and significant savings. Success depends on swift implementation, public buy-in, and managing economic impacts. Some job retraining would be necessary, such as healthcare administration training to provide direct care to patients.

HumanCare🩵 Questions and Answers❓

Should a 2025 Executive Order be issued for HumanCare🩵?

Yes, with Mr. Robert F. Kennedy, Jr., the Secretary of the U.S. Department of Health and Human Services, health advocates, and special guests in attendance.

Who would lead HumanCare🩵?

The Secretary of the U.S. Department of Health and Human Services, Robert F. Kennedy, Jr.

Who does HumanCare🩵 cover?

All United States Citizens with their Social Security number.

Can I still get health services or products that are not covered under HumanCare🩵?

Yes, you are free to spend your money on what you like, as long as it is legal.

Are health care premiums and coverage a concern for United States citizens?

Absolutely, they impact financial stability, care access, and health outcomes. The complex mix of private and public insurance fuels debates on affordability and equity, making it a critical issue in public discourse and policy. HumanCare🩵offer free access through U.S. free market efficiency and innovation.

What is the current budget of all the Federal Agencies listed under the umbrella of HumanCare🩵?

The total specified budget figures for FY 2025: HHS Discretionary: $130.7 billion HHS Mandatory: $1.7 trillion

CMS (which includes Medicaid and likely parts of CHIP and Health Insurance Marketplace): $1.6 trillion

HRSA: $16.3 billion

Summing these:

• $130.7 billion (HHS Discretionary) + $1.7 trillion (HHS Mandatory) + $1.6 trillion (CMS) + $16.3 billion (HRSA) = $3.4463 trillion

How much is currently spent on Health Care in the United States?

According to Grok, based on the available data, the total healthcare spending in the United States for 2023 was reported to be $4.9 trillion.

This figure includes spending from both public and private sources, covering health care such as hospital care, physician services, prescription drugs, and other health services, which encompasses all health-related spending across the nation.

CMS National Health Expenditure Data (2023), Table 05:

• Net Cost of Health Insurance (private overhead): $302.9B

• Government Admin (Medicare, Medicaid, VA, etc.): $57.4B

How much money is received from the FICA Medicare in paychecks?

The current FICA Medicare contribution rate is 1.45% for both the employee and the employer. This means that for each paycheck, both the employee and their employer contribute 1.45% of the employee's earnings towards Medicare.

Additionally, there is an Additional Medicare Tax of 0.9% for individuals earning above certain thresholds, but this is only withheld from the employee's wages and not matched by the employer:

• Single filers: On earnings over $200K
• Married filing jointly: On earnings over $250K
• Married filing separately: On earnings over $125K

Medicare contributions are roughly one-third of the total FICA contributions (since Medicare's rate is about one-third of the combined Social Security and Medicare rate when considering just base rates), we could approximate:

$1.3 trillion (total payroll tax) * 1/3 ≈ $433.33 billion for Medicare from FICA.

How are we going to pay for this?

Hard working US Citizens have been working too hard for too long and have been charged too much for Health Care. The United States is broke, but we need to figure this out now because it is critical for every US Citizen to be able to pursue the American Dream and not be crushed by Health Care premiums, an injury or illness.

By cutting fraud, waste, abuse, and administrative overcharges, along with operational efficiencies, US Government Health Department related consolidation, this will happen quickly.

Here is where the Federal funding budget money comes from, to pay for HumanCare🩵:

$1.3 Trillion FICA Medicare Contribution Rate

The FICA tax rate would go from 1.45% for employees and 1.45% from their employer to 4.35% for employees and 4.35% from their employers. This is still a great deal for employees. (Based on IRS 2023 payroll data)

The average (mean) household income was approximately $114,500 in 2023. Their FICA Medicare contribution would go from approximately $1,660 to $4,981, an increase of $3,321.

That household could eliminate their current annual health care premium of ~$24,000 for family coverage and ~$8,400 for individual coverage. A massive savings for individuals and families and offers portability and coverage.

Some employers currently pay part, half, or all of their employees’ Health Care premium. They would save money with this approach and they could pay the employees portion of 4.35% to attract employees.

$3.3 trillion Health and Human Services

This amount is already budgeted.

$1.7 trillion HHS Mandatory Spending.

This amount is already budgeted.

• Medicare, Medicaid, CHIP Federal funding for children's health insurance
• Social Security Disability Insurance (SSDI)
• CMS Operations ($1.6 trillion)
• TANF: Grants to states for welfare assistance.
• Other Programs: Including but not limited to, substance abuse and mental health services, health research through the National Institutes of Health (NIH), and food and drug safety through the Food and Drug Administration (FDA).
• Health Insurance Marketplace: Funding for subsidies, premium tax credits, and operational costs of the exchanges, including federal and state-based marketplaces.

Total Implications

This combined $3.3 trillion represents an enormous portion of federal spending, highlighting the scale of government involvement in healthcare, social services, and public health in the United States. It reflects the complexity and cost of providing health insurance, medical care, research, and social support to millions of Americans.

This total would cover:

• Healthcare Services: Direct  payments to healthcare providers for services rendered under Medicare and Medicaid.
• Health Insurance: Subsidies for premiums, cost-sharing reductions, and other financial assistance in the health insurance marketplace.
• Research and Public Health:  Funding for health-related research, disease prevention, and public health initiatives.
• Social Support: Programs aimed at supporting vulnerable populations, from children to the elderly, including nutritional support, disability assistance, and welfare.

This figure underscores the federal government's role in ensuring access to healthcare and supporting social welfare, with significant implications for the national budget, policy priorities, and the overall health and well-being of the population.

$111 billion Veterans Care:

Federal spending already in the budget.

$862 Billion, Public Assistance:

Public welfare expenditures, which include health-related benefits, amounted to $862 billion in 2021, highlighting the scale of government involvement in health care support. Already in the budget.

New Unhealthy Products and Cannabis Tax Revenue to help fund HumanCare🩵

$56 Billion, Cigarettes: 🚬

• The federal excise tax on tobacco products is a significant revenue source, historically used to fund health initiatives due to the direct health costs associated with smoking. Already in the budget. The federal excise tax on cigarettes is currently set at $1.01 per pack.
• This tax alone contributes a considerable portion of the total tobacco excise tax revenue. The excise tax will be raised to $5.00 per pack of cigarettes to help offset the health costs of smoking.
• Tobacco: In 2022, federal excise tax revenue from tobacco products was approximately $11.3 billion. The medical costs associated with smoking are immense, around $170 billion annually in the U.S., highlighting the rationale for using tobacco tax revenues for health initiatives.

$31 Billion Alcohol: 🍷🍺

In 2022, federal excise tax revenue from alcoholic beverages was about $10.2 billion. Triple the tax on alcohol to increase revenue to help pay for the health effects of alcohol use. According to the Centers for Disease Control and Prevention excessive alcohol use resulted in approximately $27 billion in health care costs in the United States, back in 2010. That same year, the federal government collected about $9.5 billion in alcohol excise taxes, according to the Alcohol and Tobacco Tax and Trade Bureau.

$9 Billion E-Cigarettes: 🇪🚬

E-Cigarettes market in the United States is projected to have a market volume of $9.4 billion in 2025. Newer legislation has begun taxing e-cigarettes, aiming to offset the public health costs of nicotine use. A 100% federal excise tax will be imposed on all E-Cigarettes and vaping related products.

According to a study published in Tobacco Control and hosted the National Library of Medicine (part of the National Institutes of Health), current e-cigarette uses among U.S. adults resulted in approximately $15.1 billion in excess health expenditures in 2018.

That same year the federal government collected $0 in excise taxes on e-cigarettes, as those products were not subject to federal excise taxes under the Internal Revenue Code, according to the Government Accountability Office.

$521 Billion Junk Food: 🍩

Implementation of a junk food tax would require clear nutritional standards for what junk food is.

Prominent doctors, including Dr. Robert Lustig, Dr. Mark Hyman, and Dr. David Ludwig, warn that sugar in soft drinks, as harmful as alcohol and tobacco, drives obesity and diabetes. The US spends $327 billion yearly on diabetes projected to hit $500 billion by 2025, with obesity, heart disease, and cancer adding billions more. This highlights the dire health and economic toll of America’s soft drink habit.

What’s Junk Food?

"Junk food" might include items high in added sugars, sodium, or unhealthy fats-like soda, or salty artificial chips, while "nutritious food" could mean whole, minimally processed options like vegetables, fruits, or lean proteins.

“We spend $405 million a day on food stamps. That’s what the taxpayer is spending. 10% is going to sugary drinks. Another 8% is going to candies. So, we are poisoning 60% of our kids who are getting food stamps.” Secretary of HHS, Robert F. Kennedy Jr. (That is over $26 billion sent on EBT Food Stamps on just sugary drinks and candy.)

Potential Benefit: It could guide citizenstoward healthier choices and provide a legal basis for the tax.

Challenge: Science health-based decisions.

Why Taxing Junk Food and Encouraging Nutritious Food Matters

☑️ Health Gains: Less junk food could shrink diet-related diseases.

☑️ Industry Push: Manufacturers might ditch harmful additives or recipes.

☑️ Funds: Tax revenue could bankroll wellness initiatives.

☑️ Challenges: Low-income families need affordable healthy options.

The Bottom Line

A 100% tax on junk food and adding non-E number additives to determine the junk food definition could slash harmful eating, improve food safety, and finance health equity. Inspired by the EU’s E number system, this plan demands clear rules and accessible alternatives to transform public health and wallets alike.

The EU’s E Number Edge

The European Union’s E number system labels safe, tested food additives (e.g., E100 for colors, E202 for preservatives). Overseen by the European Food Safety Authority, it ensures transparency and quality unlike the U.S. FDA’s less stringent approach, offering a model for healthier food standards.

Two Bold Tax Ideas

100% Junk Food Tax: Doubling prices could cut consumption and raise billions from a potential $521 billion market to fund health programs like nutrition education.

Nutritional Standards

Added Sugars: >10% of calories FDA guidelines (50g/2,000 calories).

Saturated Fat: >20% of daily value (>4g/serving, based on 20g/day) FDA standards.

Sodium: >600 mg/serving (26% of 2,300 mg daily value) FDA/WHO.

Potentially creating an E Number system, where food that contains ingredients that are not on the approved food safe list are considered junk food and taxed 100%.

Market Size

Snack Foods: Statista projects $60.57 billion by 2029.

Fast Food: Valued at $331.41 billion in 2022, exceeding $300 billion by 2025 is plausible per Statista trends.

Confectionery & Beverages: Confectionery hit $129.14 billion in 2023; with sugary drinks, $50–$100 billion is conservative but feasible.

Total: Combining realistic figures (~$60 billion snacks, $300+ billion fast food, $100+ billion confectionery/drinks), the junk food market nears $400–$450 billion by 2025, but $521 billion is used guessing the potential expansion of what may be defined as junk food using E Numbers.

Total Junk Food Estimate: Approximately $521 billion

$50 Billion Cannabis 🍃

• Legalized Cannabis and Cannabis products: 100% Tax on Cannabis products and Cannabis with THC content of 10% or less. 420% tax on Cannabis containing 11% or more THC content, and is an approach to keep all cannabis legal, but discourages products above 10% THC, due to the possible potentially elevated psychosis risk.
• A study by Di Forti et al. (2019), published in The Lancet Psychiatry, provides evidence that cannabis products with 10% or less THC may pose a lower risk of psychotic disorders compared to those with higher THC levels. The recommendation of 10% as a threshold is supported by the study’s observation that cannabis below this level does not significantly elevate psychosis risk, while daily use of cannabis above 10% THC markedly increases it. This research offers a scientific basis for considering a 10% THC limit to enhance the safety of cannabis consumption.
• Driving under the influence or working in safety sensitive positions while under the influence of THC Cannabis is still a crime. U.S. cannabis sales are projected at ~$35.3B in 2025. A $60B market could be possible if full federal legalization occurs.
• A federal framework would standardize regulations across states, potentially simplifying compliance for businesses and ensuring consistent product safety, labeling, and quality control. Legalization could lead to the decriminalization of cannabis-related offenses, reducing incarceration rates for non-violent drug offenses, and possibly expunging past convictions, addressing issues of social justice and reducing racial disparities in arrests.
• Cannabis crop growth, jobs, and product use may increase significantly, but that impact was not assessed for this analysis.
• This does not mean that using cannabis products on Federal land or in public areas is legal. 21 is the minimum age for Cannabis use. Medical Cannabis is limited to 10% THC. Cannabis revenue potential based on it being federally legalized. Potential new rules:

Recreational Cannabis 🍃

1. Legal Age: You must be 21 years or older to purchase, possess, or use recreational cannabis.
2. Purchase Limits: There are limits on how much cannabis one can buy in a single transaction, 1 ounce of flower, concentrate, or edibles.
3. Possession Limits: Similar to purchase limits, there's a cap on how much cannabis you can legally possess at one time for personal use, 1 ounce.
4. Public Use: Consuming cannabis in  public is prohibited. Consumption is confined to private residences, private property, or designated areas.
5. Driving: It's illegal to drive under the influence of cannabis. States have different approaches for testing for impairment, but the overarching rule is not to operate a vehicle while under the influence.
6. Advertising: There are strict regulations on how cannabis can be advertised, prohibiting marketing that appeals to children or making unfounded health claims.
7. Home Cultivation: Personal home growing is allowed, with limits on the number of plants, 6 per household or 12 for households with more than one adult.

Medical Cannabis 🍃🩺

1. Medical Card: Patients would need a medical marijuana card issued after a recommendation from a healthcare provider for qualifying conditions. Medical Cannabis THC content is limited to 10% THC.
2. Age: Medical Cannabis can be used by minors to use with a guardian's consent and oversight.
3. Purchase and Possession: Limits can be higher for medical patients, up to 3 ounces for Medical Cannabis.
4. Conditions: Qualifying conditions for medical marijuana use include chronic pain, cancer, epilepsy, and PTSD.
5. Caregivers: Designated caregivers may assist patients with obtaining and administering cannabis.
6. Transportation: While transporting cannabis, it must be in its original packaging, from a dispensary, and kept out of reach of vehicle controls.
7. Federal Lands: Cannabis use and sale are illegal on federal lands and national parks.
8. Crossing State Lines: Transporting cannabis across state lines is legal under federal law, if the legal possession limits are followed.
9. Employment: Many employers maintain drug-free workplaces, and despite legalization, they can still enforce zero-tolerance policies for cannabis use.
10. Taxes: Cannabis products are subject to a variety of taxes, which can be substantial and are often used to support various programs. However, medical cannabis prescribed by a doctor, with a THC content of 10% or less, would be provided to patients at no cost, as it would be classified as a legal medical prescription.
11. Packaging and Labeling: Products must come in child-resistant packaging with clear labeling of THC content, serving size, and warnings.

Current Health Budget & New Tax Revenue Totals to Fund HumanCare🩵

$6.24 Trillion Total Funds annually to fund Health Care costs of approximately $5 Trillion.

How could this change be made quickly under the existing structure?

Expand the definition of who is eligible for Medicare to all living United States Citizens that have a unique Social Security number and expand the definition of Federally Qualified Health Centers (FQHCs) to include existing independent Health Care Providers or Health Care Medical Groups that would like to participate in HumanCare🩵.

What is the Responsible AI-Empowered HumanCare🩵 HHS app?

• HumanCare🩵 app, this is primarily the script for the HumanCare🩵 video - free healthcare at your fingertips!
• Patients book HumanCare🩵 appointments via the HHS App, which displays doctor availability, location, and pricing details. If a doctor charges more than the HHS-negotiated rate, the exact price is transparently shown on the app before booking, allowing patients      to decide whether to proceed or go with a doctor who accepts the negotiated rate - keeping the free market alive and thriving.
• Here’s where the capitalist free market shines: Doctors and medical providers are guaranteed the negotiated rate from HHS, paid weekly, for a steady income stream. But "Signature Doctors" and "Signature Medical Care Providers" can charge more for premium or specialized care, think top-tier expertise or extra perks. These additional fees are clearly listed in the HHS app before you book, and patients pay the difference after the visit. This gives doctors the freedom to run their practices like businesses, setting prices based on their value, while patients choose what they’re willing to pay for, driving competition and innovation.
• This integration leverages technology to create a more accessible, transparent, and efficient healthcare system, balancing patient needs with provider sustainability while tackling challenges like adoption and security head-on.
• HumanCare🩵 is an idea to give you back your health. Get a screening you couldn’t afford before - no stress, no debt. It’s a game-changer. Every day, over 3 million Americans seek medical care. But our healthcare system is failing, crippling costs, hidden fees, and unequal access leave millions behind. What if we could change that?
• Doctors get paid weekly, fueling small businesses. Your records stay safe and are ready anytime. HumanCare🩵 saves billions, cuts admin waste, and delivers the care your loved ones deserve. Together, we’re building a healthier, stronger America.

What could happen to all the unnecessary executives and administrate staff that will be displaced by these cost cutting measures to better serve United States citizens?

We hope they are able to better serve the public in activities that provide goods and services that directly help US Citizens. With the business growth of free-market private practice health care providers, we believe that will create job opportunities providing care. If Congress felt strongly, they could determine how much of the $1.2 Trillion surplus they would want to allocate toward keeping executive and administrative staff, and hopefully put them in roles that are a value add for taxpayers.

What is the Timeframe for implementation?

October 2025, with an Executive Order and approval of the Health Care Act from Congress.

What is the law that could be changed to allows for this change?

• The primary United States law that enables Medicare is the Social Security Act of 1965, specifically through the amendments made by the Medicare Act (officially known as the "Health Insurance for the Aged Act") which was signed into law by President Lyndon B. Johnson on July 30, 1965.
• This legislation established Medicare as a federal health insurance program for people aged 65 and older, as well as for certain younger people with disabilities.

Since its inception, Medicare has been expanded and modified through various subsequent laws, including:

• The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA), which introduced Part D for prescription drug coverage.
• The Affordable Care Act of 2010 (ACA), which made several changes to improve preventive services and close coverage gaps.
• The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), which reformed Medicare payments to physicians.

These laws have collectively shaped Medicare into a more comprehensive program over time, adapting to changes in healthcare needs and policy.

What Care Would HumanCare🩵 Cover?

HumanCare🩵 provides comprehensive, accessible, and affordable coverage to all United States citizens, ensuring that health services are equitable, high-quality, and inclusive of every community’s needs.

• Negotiated Rates: Rates would be determined collaboratively by HHS and the medical community.
• Transparency in Pricing: If a provider charges above that rate, the cost must be clearly displayed and agreed to by the patient before care is provided.
• Patient Choice: Any balance above the negotiated rate would remain the patient’s responsibility.

Key Components of HumanCare🩵

Preventive Care

• Routine check-ups, screenings for chronic diseases (cancer, diabetes, heart conditions).
• Vaccinations, wellness programs (nutrition counseling, smoking cessation, weight management).

Primary Care

• Access to a primary care physician for first-line health needs, ongoing condition management, and care coordination.

Emergency Services

• Coverage for ER visits, urgent care, and ambulance services without prohibitive delays.

Hospitalization

• Inpatient care, including surgery, intensive care, and all necessary services during hospital stays.

Mental Health Services

• Psychiatric consultations, therapy, treatment for substance use disorders, and crisis intervention.

Specialty Care

• Access to specialists, including pediatrics, geriatrics, oncology, cardiology, and allergy care (tests, shots, treatments, inhalers, epi-pens).

Prescription Drugs

• Coverage for both acute and chronic conditions, including brand name and generic options.

Maternal and Child Health

• Prenatal, childbirth, postpartum, pediatric visits, and childhood immunizations.

Dental & Vision Care

• Routine exams, cleanings, corrective lenses, and essential dental procedures.

Rehabilitative & Habilitative Services

• Physical, occupational, and speech therapy; developmental disability services.

Chronic Disease Management

• Comprehensive care plans for diabetes, asthma, cancer, heart disease, and other long-term conditions.
• Sickle Cell Disease Care & Awareness: Dedicated access to specialists, pain management, new treatments (including gene therapies), routine screenings, and patient education programs to reduce stigma, improve outcomes, and address the historic inequities in sickle cell care, particularly within underserved communities.

End-of-Life Care

• Palliative and hospice services, prioritizing dignity, comfort, and support for patients and families.

No Discrimination

• Coverage regardless of pre-existing conditions, gender, race, disability, or socioeconomic status.

Affordability

• Universal coverage with no premiums, keeping care affordable for every household.

Transparency & Portability

• Clear communication on coverage and costs; seamless portability across jobs and state lines.

Research & Innovation

• Investment in medical research, clinical trials, and integration of emerging therapies.

Public Health Initiatives

• Community health programs for outbreak prevention, health crisis management, and wellness promotion.

Substance Use Disorder Treatment & Recovery

• Comprehensive Treatment: Medically supervised detox, medication-assisted treatment (MAT: buprenorphine, methadone, naltrexone, acamprosate, disulfiram), plus evidence-based therapies (CBT, motivational interviewing, family counseling).
• Prevention & Education: School and community programs, harm reduction efforts (needle exchanges, safe-use education).
• Recovery Support: Aftercare, peer support, vocational training, and reintegration services.
• Integrated Care: Dual-diagnosis treatment for co-occurring mental health conditions (depression, PTSD, anxiety).
• Overdose Prevention: Widespread naloxone (Naltrexone) distribution, every household can request a USPS-delivered dose for emergency use. Emergency services will be fully equipped to handle overdoses rapidly.

"We need to empower families to achieve the American dream of homeownership by removing barriers and creating opportunities." Tim Scott (Senator from South Carolina)

"The problem with housing is that it is a market where the government has intervened so much that it has created a shortage." Thomas Sowell (Economist and social theorist, critical of government intervention)

"Americans are suffering under the weight of sky-high housing prices..." Elizabeth Warren (Senator from Massachusetts)

"The most important thing that cities can do is to make sure that they don’t have regulations that prevent the construction of new housing." Edward Glaeser (Urban economist and professor at Harvard University, known for his work on housing markets)

• Everyone is a Winner! Every living 2023 U.S. Taxpayer-that is, a U.S. Citizen with a unique active Social Security number-will receive an American Dream Vacant Land lot from current federal holdings, prioritized for the state or territory of their residence (based on 2023 tax filing address) to foster local stability and community ties.
• Flexible Choices with Preference: Winners can accept the lot or opt for its predetermined appraised cash value. However, the ~44.7 million eligible essential workers, veterans, and active military receive preference for lots (over cash) in Hero Villages, ensuring priority access to high-density, job-adjacent developments tailored to their service.
• Quick Decision Window: Winners have 30 days to choose; if no response, the cash equivalent is provided by default.
• Build Your Dream: Each winner can use the lot to construct a home, supported by HUD-backed loans at 3% interest, no down payment, up to $250,000.
• Scale and Selection: The ~163 million lots (each 3,500 sq. ft. for compact, family-friendly designs) will be randomly selected via Responsible AI from developable federal lands available for U.S. citizens, allocated proportionally by state/territory taxpayer residency (~162–163 million total). Accounting for infrastructure, the total footprint (including 20–30% allocation for roads, utilities, setbacks, and open space-~25% average per zoning norms) requires ~17.5 million acres (~27,300 sq. miles, ~10% smaller than South Carolina), a feasible draw from the 640 million acres of federal holdings.

Yes, with Mr. Scott Turner, the Secretary U.S. Department of Housing and Urban Development, affordable housing advocates, housing, homeless advocates, and other parties in attendance.

The Secretary of the U.S. Department of Housing and Urban Development, Scott Turner.

All United States Citizens that have a unique Social Security number, and filed a United States Tax Return as Head of Household or an Individual, by December 31, 2024, for the 2023 Tax year.

Individual IRS Income Tax Returns 2023: 153.8 million for Tax Year 2022 (filed in 2023). Estimates for Tax Year 2023 (filed in 2024) suggest 162–163 million taxpayers reflecting slight growth.

"We have people living in our… best highways, our best streets, our best entrances to buildings… where people in those buildings pay tremendous taxes, where they went to those locations because of the prestige."

- President Donald Trump, speaking to reporters aboard Air Force One on September 17, 2019, during a trip to California.

If one out of ten winners build a $250,000 home, how much does that stimulate the economy? It’s game-changing! Here’s the calculation for the economic stimulus if one out of ten of 163 million people builds a $250,000 home:

Step 1: Number of Homes Total people: 163,000,000. One out of ten: 163,000,000 ÷ 10 = 16,300,000 people building homes.

Step 2: Direct Construction Cost Each home costs $250,000. Total direct spending: 16,300,000 × 250,000 = $4.075 trillion.

Step 3: Economic Multiplier Effect The construction industry has a multiplier effect of 1.5–2.5, reflecting jobs, materials, and secondary spending (per National Association of Home Builders and economic studies):

• Low-End (1.5): $4.075T × 1.5 = $6.1125 trillion.
• Mid-Range (2.0): $4.075T × 2.0 = $8.15 trillion.
• High-End (2.5): $4.075T × 2.5 = $10.1875 trillion.

Step 4: Additional Impacts

• Jobs Created: NAHB estimates 2.97 jobs per $1 million in construction spending: $4.075B ÷ $1M × 2.97 ≈ 12.1 million jobs, fueling wages and local economies.
• Tax Revenue: At a rough 10% combined rate (sales, property, income taxes): $4.075T × 0.1 = $407.5 billion in immediate revenue.
• Long-Term Effects: Adding 16.3 million homes (11.5% of the U.S.’s 142 million units) could boost property values and consumer spending, adding $100–$200 billion annually over decades, amplified by state-specific builds strengthening regional economies.

Step 5: Reality Check

• U.S. GDP: Projected at ~$31 trillion in 2025. An $8.15 trillion stimulus is ~26% of GDP-significant but feasible if phased over 10–20 years (vs. current 1–2 million homes/year).
• Feasibility: ~815,000 homes/year over 20 years, quadrupling recent rates, powered by federal land release and labor mobilization, with residency-based allocation ensuring balanced state growth.

Final Estimate Direct cost: $4.075 trillion, stimulating $6.11–$10.19 trillion in total activity (mid-range: $8.15 trillion). This assumes a 2.0 multiplier and gradual rollout-a transformative national housing surge supporting jobs, taxes, and growth.

Federal Land Availability and Valuation

Rough Calculation

• BLM: ~244 million acres.
• USFS: ~193 million acres.
• USFWS: ~89 million acres.
• DOD: ~11 million acres.
• Total: ~640 million acres (varying developable portions).

Estimating the value of 163 million vacant lots (3,500 sq. ft. each) is speculative, given location, zoning, and market variances. This covers ~570.5 billion sq. ft. (~13.1 million acres for lots alone), but developments allocate 20–30% (~25% average) for roads, utilities, setbacks, and open space (per zoning norms), requiring a ~1.33x multiplier for total land footprint: ~17.5 million acres (~27,300 sq. mile). Lots are geofenced by taxpayer residency for state/territory-specific draws.

Step 1: Total Area

• Each lot: 3,500 sq ft (~0.08 acres; 1 acre = 43,560 sq. ft.).
• Lots alone: 163,000,000 × 3,500 = 570,500,000,000 sq. ft. ≈ 13,096,878 acres (~20,464 sq miles).
• With infrastructure (25% allocation): 13,096,878 ÷ 0.75 ≈ 17,462,504 acres (~27,285 sq. miles; 0.72% of U.S. total land).

Step 2: Average Land Value Land prices vary: National residential averages (2022 Angi Lot Size Index) from $5.71/sq. ft. (MS) to $110.86/sq. ft. (HI), median $20-$30/sq. ft. Adjusted for 5% annual inflation to 2025: ~$29/sq. ft. midpoint. Outliers like SoCal ($13.77–$114.78/sq. ft.) highlight potential. Valuation focuses on lots; infrastructure costs (~$50K–$100K/acre for utilities/roads) add ~$875B–$1.75T but are HUD-subsidized.

Step 3: Rough Valuation (Rural-to-Suburban Averages, $20–$40/sq. ft. on lots):

• Low-End ($20/sq. ft.): 570.5B × 20 = $11.41 trillion.
• Mid-Range ($30/sq. ft.): 570.5B × 30 = $17.115 trillion.
• High-End ($40/sq. ft.): 570.5B × 40 = $22.82 trillion.

Valuation per Rural-to-Suburban 3,500 sq. ft. Lot ( $20K - $140K per Lot)

Low-End $20 × 3,500 = $70,000 (or $11.41T ÷ 163M lots = $70,000)

Mid-Range $30 × 3,500 = $105,000 (or $17.115T ÷ 163M lots = $105,000)

High-End $40 × 3,500 = $140,000 (or $22.82T ÷ 163M lots = $140,000)

(Residential Lot lowest $5.71 x 3,500 = $19,985 Angi Lot for reference)

Step 4: Reality Check 2025 GDP: ~$31 trillion-mid-range exceeds it, signaling scale challenges. Actual vacant lots: 16–20 million (NAR/Census); total U.S. residential land ~$5–$10 trillion (Zillow subset). Infrastructure multiplier ensures sustainable layouts but elevates total land need to ~17.5M acres (still <3% of federal holdings).

Step 5: Adjusted Estimate Blended rate ($20/sq. ft. conservative, weighting rural/suburban/urban): Total ~$11.41 trillion upper bound for marketable lots, with regional breakdowns for precision. High-density Hero Villages optimize space, blending federal releases with local infrastructure partnerships.

High-Density Urban Potential: "In high-density urban areas, where land is scarce and costs are prohibitive, innovative repurposing of underutilized federal properties can unlock affordable housing at scale, turning challenges into opportunities for essential workers and families alike." - Inspired by Dr. Edward Glaeser’s emphasis on deregulation for new supply.

The American Dream Lottery🏠 incorporates optional high-density Hero Villages on federal lands, offering flexible homeownership pathways. The flagship: Noah Martz's May 2025 "Hero Village" proposal for Floyd Bennett Field (1,300-acre NPS site in Brooklyn), envisioning 20,000 transit-oriented units for NYPD, FDNY, and EMTs-walkable, historic-inspired communities combating shortages (52% of public servants live outside NYC due to costs). It addresses flood risks (post-Sandy) and inclusivity debates while prioritizing essentials.

Winners near metros can opt in, using $250K HUD loans for shares in multi-unit projects (500–1,650 sq ft units via modular/sustainable builds under $250K). The ~44.7 million eligible essential workers, veterans, and active military receive explicit preference for lots (over cash equivalents) in Hero Villages, securing priority in draws for these service-focused sites. Infrastructure (25% allocation) is integrated via microgrids and permeable designs for efficiency.

Task Category  Occupation  Employment (thousands)

Providing Care to Others

Home health and personal care aides  3,412

Nursing assistants  1,398

Registered nurses  3,059

Licensed practical/vocational nurses  721

Medical assistants  652

Dental assistants  349

Phlebotomists  102

Subtotal  9,693

Protecting Public Health & Safety

Police/sheriff's patrol officers  659

Security guards  1,046

Firefighters  325

Paramedics  261

Correctional officers/jailers  436

Subtotal  2,727

Making Sure Essential Goods/Services Available

Janitors/cleaners (exc. maids)  2,409

General maintenance/repair workers  1,335

Laborers/freight/stock movers  2,901

Stockers/order fillers  2,587

First-line retail supervisors  1,254

Customer service reps  2,919

Subtotal  13,405

Essential Workers Total  25,825 (25.8M)

Additional: Protecting the Nation & Supporting Service Members (2025 Data)

Active-duty military  1,320

Veterans (living)  17,600

Subtotal  18,920

Grand Total Eligible  44,745 (44.7M)

Leveraging 2025 Responsible AI, units tokenize on blockchain for fast, fraud-proof titles (months to days). Five-year ownership minimum prevents speculation; incentives prioritize essentials. HUD portals enable opt-ins, blending federal land with local transit/infrastructure.

To scale nationwide, the Housing Care Act targets underutilized BLM/USFS/NPS/DOD sites near metros (per 2025 Joint Task Force on Federal Land for Housing). ~1M low-risk acres yield 700K+ units, prioritized for metro/territorial stimulus via HUD partnerships. Lots distributed proportionally to state/territory taxpayers (2025 Census pop proxy, totaling 163M; per site = state total / 2). Infrastructure (25% allocation) is factored into acres needed (~1.33x multiplier for roads/utilities/setbacks/open space). Challenges (floods, wildfires) mitigated with resilient designs. Essential workers/veterans/military get Hero Village lot preference by residency.

State/Territory, Location 1 & 2,  Potential Lots (Per Site),  Est. Acres Needed (Per Site, w/ Infrastructure)

• Alabama, Maxwell AFB Surplus (Montgomery), BLM Gulf Coastal Plains (Mobile area), 1,221,228, 130,832
• Alaska, Joint Base Elmendorf-Richardson Edges (Anchorage), BLM Interior Parcels (Fairbanks), 174,749, 18,722
• Arizona, Phoenix BLM Sonoran Desert Outskirts, Luke AFB Surplus (Glendale), 1,807,209, 193,678
• Arkansas, Little Rock AFB (Jacksonville), Ouachita NF Edges (Hot Springs), 730,060, 78,230
• California, Los Angeles BLM/USFS Angeles NF Edges, San Diego BLM Otay Mesa, 9,319,188, 998,649
• Colorado, Denver USFS Lake Hill Site (kept), Fort Carson Surplus (Colorado Springs), 1,412,934, 151,371
• Connecticut, New London Submarine Base Edges (Groton), Quinebaug-Woodstock NF (Northeast), 871,004, 93,328
• Delaware, Dover AFB Surplus, Prime Hook NWR Edges (Milton), 250,793, 26,869
• District of Columbia, Anacostia Naval Annex (surplus), Fort Reno Park Edges (NPS-adjacent), 168,504, 18,049
• Florida, Florida City Everglades Edges, Eglin AFB Surplus (Valparaiso), 5,601,222, 600,070
• Georgia, Fort Benning (Columbus), Chattahoochee NF (Gainesville), 2,654,352, 284,365
• Guam (Terr.), Naval Base Guam Surplus (kept), Andersen AFB Parcels (Yigo), 39,942, 4,277
• Hawaii, Pearl Harbor-Hickam Edges (Honolulu), BLM Pohakuloa (Big Island), 340,896, 36,521
• Idaho, Mountain Home AFB (Elmore), Boise NF (Boise area), 477,456, 51,151
• Illinois, Chicago Glenview Naval Air Station (kept), Rock Island Arsenal Surplus, 3,002,272, 321,639
• Indiana, Grissom ARB (Peru), Hoosier NF (Bedford), 1,637,262, 175,370, 
• Iowa, Dubuque USFWS Edges, Mark Twain NF (Keokuk), 767,023, 82,212
• Kansas, Fort Riley Surplus (Junction City), Flint Hills NF (Manhattan), 702,446, 75,255
• Kentucky, Fort Knox Edges (Radcliff), Daniel Boone NF (London), 1,086,935, 116,446
• Louisiana, New Orleans USFWS Jean Lafitte Edges, Barksdale AFB Surplus (Bossier City), 1,082,532, 115,973
• Maine, Portsmouth Naval Shipyard Edges (Kittery), White Mountain NF (Bethel), 331,375, 35,501
• Maryland, Fort Meade Surplus (Odenton), Patuxent Research Refuge (Laurel), 1,482,418, 158,815
• Massachusetts, Hanscom AFB (Bedford), Cape Cod NS Edges (Falmouth), 1,693,028, 181,377
• Michigan, Selfridge ANGB (Harrison Twp.), Huron-Manistee NF (Oscoda), 2,395,972, 256,685
• Minnesota, Duluth AFB Surplus, Superior NF (Duluth area), 1,370,548, 146,829
• Mississippi, Keesler AFB (Biloxi), De Soto NF (Wiggins), 691,452, 74,076
• Missouri, Fort Leonard Wood (Waynesville), Mark Twain NF (Rolla), 1,476,194, 158,148
• Montana, Malmstrom AFB (Great Falls), BLM Gallatin Valley (Bozeman), 268,590, 28,775
• Nebraska, Offutt AFB (Bellevue), Oglala NF Edges (Chadron), 475,330, 50,923
• Nevada, Las Vegas BLM Southern Parcels, Nellis AFB Surplus (North Las Vegas), 780,183, 83,583
• New Hampshire, Pease ANGB (Portsmouth), White Mountain NF (Conway), 332,662, 35,639
• New Jersey, Joint Base McGuire-Dix-Lakehurst, Edwin B. Forsythe NWR (Atlantic City), 2,260,746, 242,199
• New Mexico, Kirtland AFB (Albuquerque), BLM Rio Grande Valley (Las Cruces), 502,650, 53,849
• New York, Floyd Bennett Field NPS (Brooklyn), Watervliet Arsenal Surplus (Albany), 4,698,409, 503,349
• North Carolina, Fort Liberty (Fayetteville), Croatan NF (New Bern), 2,634,052, 282,191
• North Dakota, Minot AFB (Minot), BLM Theodore Roosevelt NP Edges, 188,924, 20,240
• Ohio, Toledo Army Depot, Wright-Patterson AFB Surplus (Dayton), 2,805,968, 300,609
• Oklahoma, Fort Sill (Lawton), Ouachita NF (Broken Bow), 969,634, 103,878
• Oregon, Portland USFS Mt. Hood Edges, Boardman Bombing Range Surplus (Eastern OR), 1,008,211, 108,012
• Pennsylvania, Carlisle Barracks (Carlisle), Allegheny NF (Warren), 3,087,255, 330,744
• Puerto Rico (Terr.), Roosevelt Roads Naval Station (Ceiba), El Yunque NF Edges (Rio Grande), 752,512, 80,619
• Rhode Island, Newport Naval Station, Sachuest Point NWR (Middletown), 263,428, 28,222
• South Carolina, Joint Base Charleston, Francis Marion NF (Moncks Corner), 1,308,656, 140,199
• South Dakota, Ellsworth AFB (Rapid City), BLM Black Hills (Custer), 218,750, 23,435
• Tennessee, Arnold AFB (Tullahoma), Cherokee NF (Chattanooga), 1,716,860, 183,930
• Texas, Houston Ellington Field, Fort Bliss Surplus (El Paso), 7,484,194, 801,796
• Utah, Salt Lake City BLM/USFS, Hill AFB (Ogden), 837,378, 89,709
• Vermont, Green Mountain NF (Rutland), Burlington GSA Properties, 152,316, 16,318
• Virginia, Quantico Marine Base Edges (Prince William), George Washington/Jefferson NF (Roanoke), 2,088,205, 223,713
• Washington, Seattle Magnuson Park, Joint Base Lewis-McChord Surplus (Tacoma), 1,893,508, 202,855
• West Virginia, Camp Dawson (Kingwood), Monongahela NF (Elkins), 415,742, 44,539
• Wisconsin, Fort McCoy (Sparta), Chequamegon-Nicolet NF (Eau Claire), 1,407,740, 150,813
• Wyoming, F.E. Warren AFB (Cheyenne), BLM Sweetwater County (Rock Springs), 138,663, 14,853
• U.S. Virgin Islands (Terr.), Virgin Islands NP Edges (St. John), St. Croix Former Military Outposts, 20,441, 2,190

Grand Total of Potential Lots: ~163,000,002.

Grant Total of Acres: 17,463,240 acres ÷ 640 acres per square mile = ~27,286 square miles.

Map of Hero Village Sites (⬇️ below)

Prior to the American Dream Lottery🏠, cities/states/territories can opt into land swaps: Receive cash equivalents for qualifying buildable lots (within 20 miles of limits) drawn in the lottery, capped at 100% of Hero Village-eligible residents within 100 miles. Only one selection per entity for manageability. Swaps account for infrastructure (25% allocation) in appraisals, with essentials' lot preference applying.

Every 12 years from launch, new opportunities for non-prior participants: U.S. citizens 18+, alive, filing returns for ≥3 of prior 11 years (≥ full-time min. wage equivalent), with unique SSN. Entries open 12–4 months pre-draw; HUD includes qualifying lots/swaps by residency, with infrastructure baked into site planning and essentials' Hero Village preference.

This innovative solution in the Housing Care Act eases homeownership for millions, boosting supply, slashing barriers, and fostering stability.

The theoretical value of 163 million 3,500 sq ft lots in 2025 ranges from $11.41 trillion (low) to $22.82 trillion (high), with $17.1 trillion mid-range-still vast, capping realistically at $5–10 trillion for developable land amid market limits (total U.S. residential ~$5–$10T). With a 1.33x multiplier for infrastructure (20–30% allocation for roads/utilities/setbacks/open space), total land need rises to ~17.5 million acres (~27,300 sq mi), or ~2.7% of federal holdings-feasible via phased, residency-based releases. Location data (e.g., CA highs) demands regional precision. If scale concerns arise, further lot reductions (e.g., 2,500 sq ft) or denser villages work. With infrastructure integrated and essentials prioritized in Hero Villages, the American Dream Lottery🏠-via the Housing Care Act-unlocks affordable ownership, surges supply, erases barriers, and builds enduring stability, especially through state-tied developments blending federal innovation with local partnerships.

Legislative Proposal: The Health Care Act and The Housing Care Act. Draft Copies. 

Draft copies of the Health Care Act, Alternate Approach for Health Care Act (modify H.R. 3069), and the Housing Care Act for Congress.

Overview and Congressional Consideration

To address the intertwined crises of healthcare access and housing affordability, we present the Health Care Act with the innovative HumanCare🩵 HHS app, an alternative amendment to H.R. 3069 (updated to Health Care Act), and the Housing Care Act, incorporating the innovative American Dream Lottery. These proposals empower American families by improving access to healthcare, reducing financial burdens, and enabling homeownership, aligning with bipartisan priorities of enhancing public health, increasing housing supply, and fostering economic stability.

The Health Care Act introduces the HumanCare🩵 HHS app, administered by the Department of Health and Human Services (HHS), to streamline healthcare access, provide telehealth services, and deliver personalized health resources to all eligible Americans. The proposed amendments to H.R. 3069 enhance existing affordability measures by integrating technology-driven solutions and expanding coverage options, ensuring equitable healthcare delivery. The Housing Care Act leverages federal land and low-cost financing to make homeownership accessible to millions through a lottery system, adaptable to both urban and rural contexts.

Congress is urged to conduct comprehensive hearings to evaluate these drafts, engaging stakeholders from HHS, HUD, healthcare providers, housing advocates, and industry experts to assess feasibility, economic impacts, and implementation strategies. The legislation streamlines federal resources, reduces regulatory barriers, and integrates modern technologies like blockchain for housing and AI-driven platforms for healthcare to ensure efficiency and equity. By advancing these bold solutions, Congress can address urgent calls from leaders across the political spectrum to tackle healthcare disparities, housing shortages, and economic challenges, positioning the nation for long-term prosperity.

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The Health Care Act

Section 1: Short Title

This Act may be cited as the "Health Care Act of 2025."

Section 2: Findings and Purpose

Congress finds that:

The U.S. healthcare system is marked by inefficiency, high costs, and unequal access, leaving millions uninsured or underinsured.

Universal healthcare can improve health outcomes, reduce administrative waste, and eliminate financial barriers to care.

Technological innovation, such as a digital healthcare platform, can enhance efficiency and patient choice while preserving a free-market system.

The implementation of this Act is intended to stimulate economic activity, improve public health, and generate fiscal surplus for national priorities.

Section 3: Definitions

HumanCare🩵: The universal healthcare program established under this Act.

HHS: The Department of Health and Human Services.

CMS: Centers for Medicare & Medicaid Services.

FICA: Federal Insurance Contributions Act.

Signature Doctors: Healthcare providers who charge fees above the HHS-negotiated rates, with the difference paid by patients.

Junk Food: Food items high in added sugars, saturated fats, or sodium, as defined by the Secretary of HHS.

Section 4: Establishment of HumanCare🩵

(a) Program Creation 

There is established a universal healthcare program, "HumanCare🩵," providing comprehensive healthcare coverage to all U.S. citizens with a unique Social Security number, effective January 1, 2026.

(b) Covered Services HumanCare🩵 shall include, but not be limited to:

Preventive care (e.g., check-ups, vaccinations, screenings).

Primary care, emergency services, and hospitalization.

Mental health services, including substance use disorder treatment.

Specialty care, prescription drugs, maternal and child health.

Dental and vision care, rehabilitative services, chronic disease management, and end-of-life care.

(c) Cost Structure No premiums, copays, or deductibles shall be charged to participants for covered services.

Section 5: Funding

(a) Funding Sources HumanCare🩵 shall be funded through:

Existing Budgets: $3.3 trillion from current HHS and CMS budgets (discretionary and mandatory).

FICA Medicare Increase: An increase in the FICA Medicare contribution rate from 1.45% to 4.35% for both employees and employers, generating approximately $1.3 trillion annually.

New Tax Revenues:

Cigarettes: Federal excise tax increased to $5 per pack, raising $56 billion.

Alcohol: Federal excise tax tripled, raising $31 billion.

E-Cigarettes: 100% tax, raising $9 billion.

Junk Food: 100% tax on items defined by HHS (e.g., exceeding 10% added sugars, 20% saturated fat, or 600 mg sodium per serving), raising $521 billion.

Cannabis: 100% tax on products with ≤10% THC, 420% tax on products with >10% THC, raising $50 billion.

(b) Junk Food Definition, the Secretary of HHS shall define "junk food" within 180 days of enactment, based on nutritional standards, potentially adopting an E-number-like system inspired by the European Union to identify unsafe additives.

Section 6: HHS App

(a) Development The Secretary of HHS shall develop an AI-powered digital platform ("HHS App") to:

Enable patients to book appointments, manage prescriptions, and access healthcare services.

Facilitate direct billing to HHS by healthcare providers.

(b) Provider Options

Providers may accept the HHS-negotiated rate, paid weekly, or operate as Signature Doctors, charging additional fees disclosed on the HHS App prior to service.

Patients choosing Signature Doctors shall pay the difference between the negotiated rate and the provider’s fee.

Section 7: Implementation

(a) Effective Date This Act shall take effect on January 1, 2026.

(b) Executive Action, the President may issue an Executive Order to expedite implementation, with HHS ensuring the HHS App and provider integration are operational by the effective date.

(c) Transition Period A 12-month transition period is authorized for healthcare providers to integrate with HumanCare🩵.

Section 8: Surplus Funds

(a) Allocation Any surplus funds (estimated at $1.24 trillion annually) shall be allocated to:

Infrastructure improvements.

Job retraining for displaced administrative workers.

Medical research.

National debt reduction.

(b) Reporting The Secretary of HHS shall submit an annual report to Congress detailing surplus allocation and use.

Section 9: Oversight and Accountability

(a) Oversight Committee An independent oversight committee shall monitor HumanCare🩵’s implementation and operation, reporting biannually to Congress on financial audits, health outcomes, and program performance.

(b) Fraud Prevention, the Secretary of HHS shall establish procedures to investigate and prosecute fraud, with penalties including fines and program exclusion.

Section 10: Amendments to Existing Laws

(a) Social Security Act Title XVIII is amended to expand Medicare eligibility to all U.S. citizens under HumanCare🩵.

(b) Internal Revenue Code, the FICA Medicare contribution rate is amended to 4.35% for employees and employers.

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Alternative approach, align H.R.3069 (Medicare for All Act) with the HumanCare🩵 proposal, instead of the standalone Health Care Act

To align H.R.3069 (Medicare for All Act) with the HumanCare🩵 proposal, apply these minimal changes, adding AI-powered HHS app, funding (junk food taxes, FICA adjustment), "Signature Doctors," weekly payments, surplus/jobs, and outcomes. Changes target existing sections with italics for additions.

Suggested Amendments to H.R.3069 for HumanCare🩵

1. Section 1: Short Title; Table of Contents

Amend (a): Cite as “Health Care Act” or “Medicare for All Act”.

Add: Title IV, Administration, Sec. 406. AI-Powered HHS Application.

2. Section 201: Comprehensive Benefits

Add (a)(19): Services via AI-powered HHS app (section 406) for appointments, rides, telemedicine, prescriptions, and reminders.

Add to (e): States may add benefits... including "Signature Doctors" premium services above negotiated rates, via the HHS app.

3. Section 401: Administration

Add (l): Outcomes. Secretary to report annually on 0% uninsured, 30% fewer preventable hospitalizations, 20-30% fewer overdose deaths, +2-5 years life expectancy for low-income, 15% less flu hospitalizations, 200,000 fewer bankruptcies.

4. New Section 406: AI-Powered HHS Application

Sec. 406. AI-Powered HHS Application. (a) Establishment. Secretary to develop an AI-powered HHS app for bookings, rides, telemedicine, prescriptions, fraud detection ($140B saved), and resource optimization.

(b) Integration. App to process provider payments (sections 611, 612).

(c) Transparency. Show rates, allow "Signature Doctors" choice.

5. Section 601: National Health Budget

Amend (a)(2): Add (I) Surplus. $1.24 trillion for debt, infrastructure, research, jobs.

Add to (a)(3): Allocation... ensuring $1.24 trillion surplus.

6. Section 611: Payments to Providers

Add to (a)(1): Payments... weekly via HHS app.

7. Section 612: Individual Provider Payments

Add to (a): Payments... weekly via HHS app.

8. Section 701: Universal Medicare Trust Fund

Amend (b)(1): Funds from... FICA increase (1.45% to 4.35%), junk food (100%), alcohol (x3), tobacco (+$5/pack), cannabis (100%-420%), e-cigarettes (100%), totaling $667B, plus $3.3T HHS/CMS budgets.

9. Section 1101: Definitions

Add:

(13) “HumanCare🩵 App” means the AI-powered HHS app (section 406).

(14) “Signature Doctors” means premium providers via the app.

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The Housing Care Act

Section 1: Short Title

This Act may be cited as the "Housing Care Act of 2025."

Section perplexity Findings and Purpose

Congress finds that:

Homeownership is fundamental to the American Dream but is increasingly unattainable due to high costs and limited housing supply.

Federal land can be leveraged to expand housing opportunities and stimulate economic growth.

The American Dream Lottery🏠 aims to increase housing supply, create jobs, and boost economic activity by $6-10 trillion.

Section 3: Definitions

American Dream Lottery🏠: The lottery system established under this Act.

HUD: The Department of Housing and Urban Development.

Eligible Taxpayer: A U.S. citizen who filed a federal tax return for the 2023 tax year and has a unique 

Social Security number.

Section 4: Establishment of the American Dream Lottery

(a) Program Creation, the American Dream Lottery🏠 is established to grant each Eligible Taxpayer (approximately 163 million) a federal land lot or its cash equivalent.

(b) Land Selection Lots shall be randomly selected from vacant federal land managed by the Bureau of Land Management (171.5 million acres), U.S. Forest Service (154.4 million acres), U.S. Fish and Wildlife Service (85.5 million acres), and Department of Defense (2.7 million acres).

Section 5: Land Lots and Cash Equivalent

(a) Lot Specifications Each winner shall receive a lot of approximately 10,000 square feet or its appraised cash value.

(b) Winner Options Within 30 days, winners may:

Accept the land lot.

Receive the cash equivalent (appraised value).

Transfer the lot or cash to their children. If no response is received, the cash equivalent shall be provided.

(c) Appraisal Process Each lot shall be appraised by a certified appraiser to determine its fair market value within 6 months of the lottery.

Section 6: Home Construction Loans

(a) Loan Terms Eligible Taxpayers accepting a land lot may apply for a HUD-backed construction loan:

No down payment.

3% interest rate.

Up to $250,000 for constructing a primary residence.

(b) Economic Impact If 10% of winners (16.3 million) build homes, this could stimulate $4.075 trillion in direct construction spending and $6-10 trillion in total economic activity.

Section 7: Implementation

(a) Timeline

The lottery shall be conducted within 6 months of enactment.

Land lots shall be appraised and awarded within 12 months following the lottery.

HUD shall begin accepting loan applications within 18 months of the lottery.

(b) HUD Oversight, the Secretary of HUD shall ensure a fair, transparent lottery process, with results publicly available.

Section 8: Economic Stimulus

(a) Purpose The American Dream Lottery🏠 aims to stimulate economic activity through home construction, job creation (estimated 12.1 million jobs), and increased consumer spending.

(b) Reporting The Secretary of HUD shall submit an annual report to Congress on the program’s economic impact, including homes built and jobs created.

Section 9: Environmental and Zoning Compliance

(a) Environmental Standards All awarded lots shall comply with federal, state, and local environmental regulations, with assessments conducted as needed.

(b) Zoning Coordination HUD shall collaborate with local authorities to ensure lots are zoned for residential use.

Section 10: Oversight and Accountability

(a) Oversight Committee An independent oversight committee shall monitor the lottery and loan distribution, reporting annually to Congress on progress and economic outcomes.

(b) Fraud Prevention, the Secretary of HUD shall establish procedures to investigate and prosecute fraud, with penalties including repayment and criminal prosecution.

Section 11: Compliance with Existing Laws

(a) Land Management Land transfers shall comply with federal land management laws.

(b) Lending Regulations HUD loans shall adhere to federal lending standards.

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21. HHS Office of Inspector General (OIG). (2024). Health Care Fraud and Abuse Control (HCFAC) Program Report.  https://oig.hhs.gov/reports/all/2024/health-care-fraud-and-abuse-control-program-report-fiscal-year-2023/
22. HHS Office of Inspector General (OIG). (2024). Semiannual Report to Congress, April 1–September 30, 2024. https://oig.hhs.gov/documents/sar/10084/Fall_2024_SAR_508.pdf
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26. Juul, F., Vaidean, G., Lin, Y., et al. (2021). Ultra-Processed Foods and Incident Cardiovascular Disease in the Framingham Offspring Study. Journal of the American College of Cardiology, 77(12), 1520–1531. https://doi.org/10.1016/j.jacc.2021.01.047
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30. Mushet, Kenneth (2025) HumanCare🩵 Article. Igniting the American Dream: Revolutionizing Healthcare and Housing with Responsible AI-Driven Care & Prosperity. https://lnkd.in/gVpmKPkT
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DISCLAIMER:   This article is presented for informational, educational, and inspirational purposes only, to spark discussion on reigniting the American Dream through innovative, Responsible AI-powered healthcare and housing policies. It is not, and should not be construed as, professional, legal, financial, medical, tax, or investment advice regarding health, housing, AI, economics, or legislation. Concepts like HumanCare🩵 and the American Dream Lottery🏠 are unvetted proposals requiring expert review, congressional oversight, and full legal compliance. No professional relationship is formed by reading this. Author Ken Mushet is not a licensed attorney, physician, advisor, policy expert, or AI specialist, just a dedicated American dad advocating bold, bipartisan solutions based on public data and personal vision.

Thank you for your time; your voice matters! Join me in urging Congress to debate and sponsor the Health Care Act and Housing Care Act to transform challenges into prosperity. Together, let's save the American Dream! © 2025 Ken Mushet.

•  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. 

🗽American Dream: Health Care and Affordale Housing Policy for all 50 States (Territories also): 

• | Alabama 🏈 | Alaska ❄️ | American Samoa 🐠 | Arizona 🌵 | Arkansas 💎 | California ⛱️ | Colorado 🎿 | Connecticut ⛵ | Delaware 🏰 | Florida 🌴 | Georgia 🍑 | Guam 🪖| Hawaii 🌺 | Idaho 🥔 | Illinois 🚂 | Indiana 🏁 | Iowa 🌽 | Kansas 🌻 | Kentucky 🏇 | Louisiana 🎭 | Maine ⚓ | Maryland 🦀 | Massachusetts ⚾ | Michigan 🚗 | Minnesota 🏒 | Mississippi 🌾 | Missouri 🎷 | Montana 🐻 | Nebraska 🎈 | Nevada 🎰 | New Hampshire 🏍️ | New Jersey 🎡 | New Mexico 🔭 | New York🗽| North Carolina 🏀 | North Dakota  🚜 | Northern Mariana Islands 🤿 | Ohio ✈️ | Oklahoma 🛢️ | Oregon 🌲 | Pennsylvania 🔔 | Puerto Rico 🐸| Rhode Island 🦞 | South Carolina 🏞️ | South Dakota 🚣‍♂️ | Tennessee 🎸 | Texas ★ | Utah 🚲 | U.S. Virgin Islands 🍹 | Vermont 🍁 | Virginia 🍂 | Washington 🍎 | Washington DC 🏛️ | West Virginia ⛏️ |

• Contact Your U.S. Senators and U.S. Representative
• https://www.senate.gov/senators/senators-contact.htm
• https://www.house.gov/representatives