There have been many doctors (for example, Zachary Rubin (MD @rubin_allergy) and Dr Jessica Knurick (PhD, RDN)) online talking about how the Secretary of Health and Human Services is untrustworthy and has been interfering with the safety of the healthcare system (such as by appointing vaccine skeptics to the panel whose job it is to make vaccine recommendations).
In that kind of environment, even a man as qualified and as popular (based on YouTube subscribers) as Dr Rohin Francis (a cardiologist in the United Kingdom’s National Health Service, who has a YouTube channel MedLifeCrisis) may be pressured into making bad healthcare decisions like allowing money to flow out of the system to lawyers associated with Robert F. Kennedy Jr (who had a past career of making money from lawsuits against vaccine manufacturers), or just be pressured into allowing politically powerful doctors to overcharge patients (and thus siphon money away), or, the most obvious case, hospital corporations suing to declare the prohibition on corporate ownership of hospitals and clinics and doctor’s offices as unconstitutional, and a conspiracy among lawyers hired on behalf of the current administration to privilege the views of corporations, giving an easy legal victory away to corporations (who then have the incentive system and structure necessary to require their doctors and nurses to sign on to overcharged bills or else be fired, working on the principle that, as long as every corporation charges close to the same high costs, fighting a price-gouging accusation becomes easier (where, by making a “trust” or “conglomerate”, they can appeal to the fears of jurors by statements like, “if you find us guilty of price fixing, the whole system will collapse”)).
In light of such situations, the following law would be necessary to displace the Reforming American Healthcare Act, for it does a couple of things: (1) having a “jury” of U.S. citizens approve or deny coverage quickly via an iPhone or Android app, (2) there is no “head” person to be accused of making politicized healthcare decisions, nor is there any person who can be pressured into considering certain kinds of transactions as legitimate healthcare expenses or illegitimate expenses, (3) this doesn’t impose price controls per-se, but, when a hospital consistently charges unreasonable prices, and those juries consistently deny patients at that hospital, the hospital will lose money, and so, to appease an external force (as opposed to just telling the patient “pay up or suffer from your condition continuing”) a hospital will have to lower prices. There is no one person for a hospital to lobby, other than in the manner of the CEO potentially buying the favor of the public by donating his paycheck to people on the street, which certainly isn’t a bad thing.
This law doesn’t get rid of healthcare insurance, particularly any person with the disposable income to pay for insurance still certainly has an incentive to continue paying for insurance to avoid other people scrutinizing which healthcare-related transactions they are “worthy” of (unless, of course, the insurance company employees doing prior authorizations get too nosy or too willing to deny coverage). That seems like an “obvious problem” to get rid of, given the main complaint people have against socialized healthcare being their fear of “death panels” of other people having the authority to determine who gets life-saving treatment. However, given that an open-ended Joint Checking Account alternative to such panels means the ability to get care will disappear the day after the system goes live and a bunch of people set up a conspiracy to move $655.5 billion to Iran or North Korea or Russia, so, instead, setting up a Prior Authorization system of 12 random Americans who need to approve or deny each transaction means an extremely low probability of a vast amount of money disappearing in a given transaction, which means more time for the Chief Application Developer to stop a fraudulently large transaction.
In Congress
H.R. _______
Resolved by the House of Representatives and the U.S. Senate, that the following shall be a law.
Joint Efficient Healthcare Savings Act
Section 1:
There is established a new, singular, Joint Efficient Healthcare Savings Account run by a Chief Application Developer appointed by the Internal Revenue Service Commissioner with the advice and consent of a randomly selected committee of 12 IRS auditors who have been in their positions for the previous 10 years.
The Chief Application Developer has the power to appoint up to 40 Computer Scientists at salaries of up to $300,000 per year (inflation adjusted relative to the CPI-U unadjusted as of September 2025), and has the power to appoint 40 additional staff members at up to $80,000 per year (inflation adjusted relative to the CPI-U unadjusted as of September 2025).
The Chief Application Developer is required to develop an application (which can run on an iPhone, an Android phone, and inside the Firefox web browser on a computer (it can run on additional platforms as well)) which quickly allows a person to log in with their unique username and password and see the transactions pending for the specific debit card tied to their username and debit card. It shall allow the person (to the extent possible with their device) to take a picture (with the label below it: “see that this picture proves that I am the same person as the person whose name is on this account”) and take a video (with the label below it: “proof that this transaction is for necessary medical care”) and attach that photo and video to that particular transaction, and then press a button labeled “Request Prior Authorization”, which sends the details of the transaction to appear as a simple (scroll-able) dialog box with two buttons (one on the left side of the dialog box saying “DENY” and a similarly sized button on the right side of the dialog box saying “Approve”) for 12 random logged-in users of the application who have not received such a dialog yet since the last time they were logged out of their account for more than 24 hours. The central server that validates transactions for the singular Joint Efficient Healthcare Savings Account shall neither allow nor approve any transaction which did not get approved by the 12 random logged-in users of the application (who have not been sent such a dialog box without first having been logged out of their accounts for 24 hours).
Starting January 1st of the year following the day in which the Chief Application Developer makes a statement to the Senate Banking Committee saying, “The Joint Efficient Healthcare Savings Account is now operational”, the following legal changes shall take place (labeled “Section 2”, “Section 3”, “Section 4”, “Section 5”):
Section 2:
The following law is defunded (no further money may be spent from the U.S. Treasury nor may money paid to the U.S. government be used to fund the execution of the following law): the Affordable Care Act (H.R. 3590 passed to become Public Law 111-148). This Act requires all funding to permanently stop for the Temporary Assistance for Needy Families (TANF) program. This Act requires all federal funding of Medicaid to permanently stop. This Act requires all federal funding of Medicare Part C (otherwise known as “Medicare Advantage”) to permanently stop.
Section 3:
$5,000,000,000 is appropriated to the Internal Revenue Service to pay salaries of their employees responsible for collecting the following taxes (which are expected to together raise $660.5 billion per year):
1. If you (or the entity you are filing taxes for (referred to as “you” for simplicity)) make property (that you own or have a controlling interest in) available to a person or entity (the “renter”) for a fixed regular price (as opposed to a one-time fee), and that person or entity vacates the premises (or “hands back the keys to the landlord” in modern parlance, if not literally), but that renter still “owes money” or is told to “pay a fee” (or similar remuneration) to the owner of the property or the person or entity with a controlling interest in the property, 50% of that remuneration must be paid as a tax to the IRS, and the owner of the property or the person or entity with a controlling interest in the property cannot raise the amount owed or fee charged (or whatever remuneration) on account of this tax. (i.e. the person or entity charging any form of back rent or inspection fee or whatever must “eat the cost” of the 50% tax on that back rent or inspection fee.)
2. If you (or the entity you are filing taxes for (referred to as “you” for simplicity)) make property (that you own or have a controlling interest in) available to a person or entity (the “renter”) for a fixed regular price (as opposed to a one-time fee), and the fixed regular price is amortized to greater than $770 per month for each person who is generally present on that property long term on behalf of the renter, then you must pay a 50% tax to the Internal Revenue Service on the rent you receive, as well as, if you have raised the rent in the previous 730 days, an additional 1% of the total rent is charged as tax owed to the Internal Revenue Service for each 1% the rent has increased on a monthly (amortized) basis relative to the amortized monthly rent charged on that same property (regardless of whether or not the renter is the same person) between 730 to 365 days prior. This is known as a “tax on high rents.”
3. If you (or the entity you are filing taxes for (referred to as “you” for simplicity)) make property (that you own or have a controlling interest in) available to a person or entity (the “renter”) for fixed regular price (as opposed to a one-time fee), and that renter is removed from the property without their consent (either through being locked out of the property or getting their stuff forcibly removed or getting evicted), then you are required to either pay $384,777 as a tax to the Internal Revenue Service or enter into a debt contract with the IRS where you are required to pay $628 + (the amount of interest the U.S. government paid on bonds that year)/(the face value of all U.S. government bonds currently outstanding)*15697 each month for the next 50 years. This is known as a “tax on evictions”.
4. If you (or the entity you are filing taxes for (referred to as “you” for simplicity)) initiate a foreclosure on a property, then you are required to either pay $384,777 as a tax to the Internal Revenue Service or you must enter into a debt contract with the IRS where you are required to pay $628 + (the amount of interest the U.S. government paid on bonds that year)/(the face value of all U.S. government bonds currently outstanding)*15697 each month for the next 50 years. This is known as a “tax on foreclosures”.
The money from the above 4 taxes does NOT go to the General Treasury, but instead goes to the Joint Efficient Healthcare Savings Account, which is chartered as a persistent trust by this Act. Out of the Joint Efficient Healthcare Savings Account, $5,000,000,000 is appropriated each year to pay the salaries of the Internal Revenue Service employees responsible for collecting the taxes to run the Joint Efficient Healthcare Savings Account.
A new tax exemption is created where a U.S. citizen who is not a “unique personal assistant” is allowed to employ exactly one U.S. citizen in one given year as a “unique personal assistant”, where the money received by that “unique personal assistant” is tax exempt, and their employer does not need to file any paperwork for that employee, other than to write the employment contract and collect video evidence that the unique personal assistant is actually present and working with their employer.
Section 4:
Due to medical residency programs being bound to Medicaid in the past, a person who graduated with a degree from a medical school shall be considered to have “completed residency” after working as an employee of 4 different doctors over 4 years (or more) and working (to actively aid in the recovery of the patient from a disease or injury) for at least 100 patients under each doctor.
Section 5:
The Internal Revenue Service shall send out Debit cards (drawing from the Joint Efficient Healthcare Savings Account) with usernames and passwords attached in letters in U.S.P.S. mail to each U.S. citizen of whom they have a report of their personal address being inside the territory of the United States.
It is the persistent duty of the Chief Application Developer to stop transactions out of the Joint Efficient Healthcare Savings Account which have a reasonable appearance of being fraudulent. For such investigations all information in the application can be treated simply as “Confidential”, where a staff member or Computer Scientist hired by the Chief Application Developer is allowed to read the information on a government computer in a building managed by the Department of the Treasury without any extra scrutiny. (As in, the pictures and videos uploaded by U.S. citizens onto the application do not have the protections of the HIPAA law.) For the purpose of enforcing this paragraph (stopping transactions out of the Joint Efficient Healthcare Savings Account which have a reasonable appearance of being fraudulent), the Internal Revenue Service Commissioner shall give $300,000 per year (adjusted for inflation relative to the CPI-U from September 2025) salaries to the Chief Application Developer and the 80 people hired by the Chief Application Developer, which is paid out of the $5,000,000,000 per year appropriated to the Internal Revenue Service by this Act.
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