Healthcare Proposal: Patient-to-Provider Direct Access
Overview:
The current insurance-based healthcare structure was designed to protect against catastrophic financial loss. While it has historically served a purpose, the system is no longer aligned with the everyday needs of individuals and families seeking basic care.
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Current System Limitations
• Patients pay hundreds of dollars monthly in premiums for coverage they often can’t access.
• Most plans include high deductibles, which must be met before benefits apply.
• Preventive care is covered annually — but typically limited to one visit per year per person.
• Patients are often unaware of costs until months later, receiving unexpected bills.
• Providers wait months to be paid, burdened by administrative processes and outdated software.
This is not a sustainable or equitable model — not for the patients, and not for the providers.
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What Needs to Change
We need a structure where:
• Patients are informed and empowered, not billed in confusion.
• Providers are supported and paid promptly, not delayed by layers of authorization.
• Payments go toward real care — not premiums that serve gatekeeping systems.
• Transparency is the standard — not the exception.
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Proposed Policy Concept: A Parallel Pathway
We propose a patient-to-provider platform that offers:
• Upfront pricing for services such as office visits, labs, and preventive care
• CMS-based rates as a starting point, with provider flexibility to adjust for specialty or needs
• Same-day or budgeted payments, directly between patient and provider
• Free patient access to browse, book, and plan their care
• An option for patients to use the money they’d spend on monthly premiums toward actual in-person care
This is not insurance.
This is not an anti-system rebellion.
This is a parallel model — grounded in respect, transparency, and peace.
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Call to Collaboration
We are seeking aligned partners who see the opportunity to co-create this offering:
• Developers
• Builders
• Policy advocates
• Health system visionaries
• Providers and patients ready for change
If you recognize the value in restoring healthcare to a space of clarity and collaboration, you are invited to connect.
Let us honor what has been — and build what is needed now.
Let’s create a system that works.
Let’s build peace, piece by piece.