The Legislation needed:

Comprehensive Health Care Reform Act of 2025

Whole-Person Preventive Healthcare Initiative

15-Year Phased Implementation Plan and Legislative Proposal

Introduction and Executive Summary

Investing in preventive health can mitigate the enormous costs of chronic disease in the U.S. – 90% of our $4.5 trillion annual health expenditures are for people with chronic and mental health conditions.

The United States faces a dual crisis of high healthcare costs and poor health outcomes. We spend more on healthcare than any other nation (over $3.6 trillion per year, projected to reach $6 trillion annually by 2027), yet Americans have shorter average lifespans and higher chronic disease burdens than peerslatimes.comlatimes.com. Chronic illnesses like heart disease, diabetes, and cancer drive the majority of costs and suffering, much of which is preventable. Meanwhile, many Americans remain uninsured or under-insured, lacking access to basic preventive care. Medical bills contribute to a majority of personal bankruptcies – about 530,000 families file for bankruptcy each year linked to medical issueswashingtonpost.com. These trends are economically and morally untenable. Without reform, the U.S. is on track to spend a staggering $60 trillion on healthcare in the next decade alonelatimes.com.

Proposal – Fully Preventive, Whole-Person Healthcare System: This report presents a comprehensive plan to expand Medicare (or establish a similar federal program) into a universal, baseline healthcare system focused on prevention and “whole-person” wellness. Over a 15-year phased timeline, fragmented private and public insurance would be consolidated into one federal program guaranteeing baseline coverage for all Americans, with an emphasis on proactive preventive services. The vision is to transform U.S. healthcare from a reactive, sick-care model to a fully preventive model that keeps people healthy, detects issues early, and coordinates care holistically. This initiative includes robust investments in community health infrastructure, workforce expansion, and medical innovation. It is a bold reform on par with Medicare’s creation, designed to yield enormous long-term benefits: longer, healthier lives for citizens, and a more efficient, sustainable healthcare system for the nation.

Key Features of the Preventive Care System:

Universal Preventive Coverage: Every American would have basic health coverage (through an expanded Medicare-like program) that emphasizes preventive care – no one would be unable to afford an annual check-up or screening. This baseline plan would be federally funded and phased in to cover all residents regardless of age, income, or employment. Private insurance could remain only as supplemental coverage for non-baseline services as needed.
Community Clinics & Telehealth Outreach: A nationwide network of community health clinics and telehealth services will serve as the frontlines of care. Clinics will be established or expanded in every community (particularly underserved rural and urban areas), providing easy access to primary care, vaccinations, screenings, and wellness programs. Integrated telehealth networks will conduct proactive outreach – contacting patients for appointment reminders, health coaching, and follow-ups – thereby bringing care into homes and improving continuity.
Interdisciplinary Care Teams: Preventive care will be delivered by team-based models. Each patient may be served by an interdisciplinary team – e.g. primary care physicians, nurse practitioners, nurses, nutritionists, mental health counselors, pharmacists, and health coaches working together. These teams address the “whole person,”covering physical, mental, and nutritional health in a coordinated way. For example, a diabetic patient’s team might include a doctor, a dietitian, and a mental health counselor to address all aspects of wellness.
Mandatory Annual Wellness Exams (Opt-Out Available): The program will strongly promote annual wellness check-ups for every individual. By default, everyone is scheduled for a yearly comprehensive exam and consultation (with an option to opt out if one explicitly refuses). These annual check-ups would include routine preventive tests (blood pressure, bloodwork, etc.) and provide personalized health guidance. The goal is early detection of any issues each year. Individuals may opt out without penalty, but the default expectation and gentle nudges encourage near-universal participation.
Advanced Preventive Screenings (MRI & Genetic Testing): In addition to standard screenings, the system will offer cutting-edge preventive diagnostics. This includes offering routine annual MRI scans (such as full-body or targeted MRIs where appropriate) to catch cancers or other diseases at the earliest stage, and genetic/DNA testing to identify hereditary risks. These services would be provided at no cost under baseline coverage. While aggressive, this approach aims to leverage technology for maximum early detection. Protocols will be developed to ensure these tools are used judiciously and effectively (for example, using AI-assisted image analysis to handle the volume of MRIs and minimize false positives). Early identification of conditions like tumors or genetic risk factors will allow interventions years before illness manifests.
Pharmaceutical Incentives for Prevention: The initiative realigns incentives in the pharmaceutical and biotech industry toward preventive care. The federal government will provide significant grants, tax credits, and prizes for companies researching vaccines, preventive medications (e.g. drugs that prevent onset of Alzheimer’s or diabetes), and cures (not just treatments) for chronic diseases. Instead of pharma profits relying mostly on long-term treatment drugs, this program funds and rewards breakthroughs that prevent disease in the first place. For example, a pharmaceutical firm developing a prophylactic therapy for heart disease or an obesity-prevention drug could receive substantial federal grants or market incentives (such as extended exclusivity or bulk purchase commitments) as part of this plan.
Healthcare Training Reform: To supply this preventive-focused system, medical education and training will be overhauled. Federal funding for universities, medical and nursing schools will be provided to shift curricula toward prevention. Grants will support new academic departments in preventive medicine, nutrition, and integrated care. Schools will be incentivized (through research funding and graduate medical education support) to produce more primary care physicians, geriatric specialists, nurse practitioners, and mental health professionals, all trained in team-based preventive care. Loan forgiveness programs and scholarships will encourage students to enter these fields.
Innovation Awards in Preventive Care: An annual “Preventive Health Innovation Award” will be established, with substantial prize money, to honor and reward breakthroughs in prevention. This could include prizes for communities that achieve the greatest improvements in health indicators, or for researchers who develop game-changing preventive interventions (for example, a new cancer-preventing vaccine or a highly effective smoking-cessation tool). Such high-profile awards will galvanize public and private sector creativity around prevention.

In summary, this Whole-Person Preventive Healthcare Initiative represents a fundamental shift: from paying for sickness and procedures to investing in keeping people healthy. It promises to reduce human suffering and, over time, bend the cost curve of healthcare. The following sections detail the phased implementation plan (over 1, 3, 5, 10, and 15 years), projected costs and job impacts, expected benefits, and a draft federal legislative proposal to enact the program.

Phased Implementation Timeline and Milestones

A reform of this magnitude must be rolled out in stages to ensure stability and allow adaptation. Below is a phase-by-phase timeline outlining key milestones at approximately 1, 3, 5, 10, and 15 years from enactment:

Year 1 – Laying the Foundation: Immediately upon enactment, the groundwork for the new system is established. The federal government will launch the Universal Preventive Care Program (UPCP) within the Department of Health and Human Services (HHS). Initial funding is released to start building capacity: for example, startup grants to at least 50 community clinics across various regions to pilot expanded preventive services. Medicare eligibility will be expanded in year 1 to offer free preventive care to all Americans (even those not yet fully enrolled in Medicare). This means any U.S. resident can go to a clinic for an annual check-up, basic labs, vaccines, and screenings with the cost covered by the new program. Federal agencies will also begin negotiating contracts for MRI equipment and genetic test services at bulk rates in anticipation of scaling those services. An oversight task force (comprised of officials from CMS, CDC, VA, etc.) convenes to coordinate the merging of existing insurance streams (Medicare, Medicaid, ACA marketplace subsidies, etc.) under a single umbrella over time. Lastly, Year 1 sees the rollout of a massive public awareness campaign informing citizens of the new preventive services available and encouraging enrollment and participation in annual check-ups.
Year 3 – Expanding Access and Infrastructure: By roughly the third year, the program will enter a major expansion phase. Eligibility for the federal baseline coverage is extended to a majority of the population – for instance, lowering the Medicare age to 55, auto-enrolling all children under 18, and covering all uninsured adults. These steps move tens of millions of Americans into the program early. Simultaneously, the network of community clinics triples in size: hundreds of new or upgraded clinics open nationwide, funded by federal grants and staffed by newly hired care teams. Telehealth infrastructure is fully online by Year 3, enabling every enrollee to schedule appointments, attend virtual consultations, and receive health reminders via phone or internet. Proactive outreach is in full swing: each clinic’s outreach workers and telehealth coordinators are contacting patients who haven’t had their annual exam yet, helping people schedule visits or opt out if they choose. Preventive services are becoming routine – for example, the first cohort of patients receive their baseline DNA risk screening and initial MRI scans to establish health baselines. Data systems begin aggregating these results (with full privacy protections) to help care teams personalize prevention plans. By Year 3, early workforce development programs are bearing fruit: new residency slots in primary care have been funded and filled, and the first wave of healthcare workers trained with a prevention focus (nurses, health coaches, community health workers) are entering the workforce.
Year 5 – Universal Baseline Coverage Achieved: Around Year 5, the initiative reaches a seminal milestone: universal baseline coverage for preventive and basic care is essentially achieved for all U.S. residents. The expanded federal program (which by now has effectively merged Medicare, Medicaid, CHIP, and individual market plans) covers everyone for core health services. Private insurers, at this stage, have largely transitioned to offering only supplemental plans (for elective procedures, private rooms, etc.), as the baseline preventive and primary care is handled by the public program. With everyone now entitled to free preventive care, the utilization of annual check-ups and screenings reaches new highs – a cultural shift as Americans come to expect a yearly health tune-up just like a dental cleaning or car inspection. Compliance is encouraged through gentle mandates (everyone gets an appointment date by default). The opt-out rate is expected to be low, as public trust and health literacy improve. By Year 5, thousands of interdisciplinary care teams are active across the country. For example, a typical community health center might have 5–10 teams, each caring for a panel of patients and tracking their preventive care plans. The program’s data shows promising trends: rising rates of early cancer detection, better controlled blood pressure and glucose levels in the population, and more people engaging in wellness programs. Also by Year 5, pharmaceutical and research incentives set in motion at the start are showing results – several companies have commenced large-scale trials of preventive drugs (spurred by federal grants), and medical schools have revamped curricula to graduate more prevention-oriented clinicians. The nation by this time has adjusted to the new insurance model relatively smoothly: employers and individuals no longer pay premiums for basic coverage, instead contributing via taxes, and in return they have the security that preventive and primary care is always covered.
Year 10 – Integration and Innovation: By Year 10, the preventive healthcare system is in full stride and mid-course refinements have been made. All Americans have been covered under the unified public program for at least five years, and the remaining fragments of the old multi-payer system (such as duplicative administrative systems) have been largely consolidated. The program’s governance might transition to a new standalone agency (e.g. “National Preventive Health Authority”) for more specialized oversight by this point. In healthcare delivery, we expect to see measurable declines in chronic disease prevalence emerging. For instance, cohorts that have been in the program since Year 1 are now 10 years older but have significantly lower rates of new diabetes and heart disease than previous generations, thanks to early interventions (diet counseling, pre-diabetes management, etc.). Hospitalization and emergency visit rates for preventable conditions are dropping, alleviating strain on hospitals. By Year 10, cost growth in healthcare spending is bending downward – the costly complications and late-stage treatments are less frequently needed as healthier populations age more gracefully. The workforce pipeline is now mature: the federal investment in medical education a decade ago has produced a surge of new primary care physicians, nurse practitioners, and public health specialists who fill the ranks of the preventive care teams. Continuous quality improvement is emphasized – the system uses data analytics to identify which preventive measures yield the best outcomes, and guidelines are updated accordingly. Importantly, innovation in prevention is flourishing: by Year 10 the government, in partnership with private sector, has successfully developed, for example, a new vaccine for a major cancer or a breakthrough preventive therapy for Alzheimer’s – exactly the kind of outcome the incentive programs intended. These innovations are promptly made available to all through the public system. Year 10 may also be a point for a comprehensive review by Congress or HHS: adjusting financing if needed, expanding successful pilot programs (e.g. perhaps a nutritious food prescription program piloted in some clinics could be rolled out nationwide after proving its worth in preventing diabetes).
Year 15 – Full Maturity of the Preventive System: At the 15-year mark, the United States has a fully realized Whole-Person Preventive Healthcare System. All legacy health insurance programs have been seamlessly combined into the one federal program covering everyone’s preventive and basic healthcare needs. The concept of being uninsured is a thing of the past. Preventive care utilization is near-universal: Americans view their yearly health exam and MRI scan as routine, and as a result, diseases that once were silent killers are now often caught at early, treatable stages. By Year 15, we anticipate seeing significant positive health outcomes at the population level: for example, national rates of chronic conditions like hypertension, obesity, and smoking-related illness show marked declines after 15 years of intensive prevention efforts. Early cancer detection through routine scans may push cancer survival rates to new highs. Life expectancy, which had stagnated or declined in previous decades, will likely have increased as preventable deaths from heart disease, stroke, and complications of diabetes fall sharply. The U.S. begins to close the life expectancy gap with other developed nationslatimes.com. Economically, the 15-year outcome should be a healthcare system that is more cost-effective. While the federal government is now the single payer for baseline healthcare, the total national health expenditure growth has moderated. Investing heavily in prevention has started to pay dividends in cost savings: every dollar spent on prevention yields multiple dollars saved from avoided illness, echoing studies that found community prevention returns of over 5-to-1tfah.org. By this year, the cultural shift is evident – the health system is oriented around keeping people healthy, and individuals, providers, and payers (now unified) all share aligned incentives for wellness. The 15-year mark is not an endpoint but a solid foundation; the system will continue to evolve with new medical advances and feedback, but the era of fragmented, reactive healthcare will have conclusively given way to a preventive, whole-person approach.

Throughout these phases, continuous evaluation and adaptive management will guide the rollout. Metrics will be tracked (e.g., preventive service utilization rates, disease incidence, patient satisfaction, costs) and reported publicly. If certain strategies underperform, course corrections will be made. The phased approach ensures that by Year 15 the system is stable, fully operational nationwide, and has the trust of the public.

Projected Costs and Financing (15-Year Outlook)

Implementing a universal preventive care system represents a substantial investment, but one that replaces the patchwork of current spending with a more efficient single stream. Below we outline cost projections over 15 years, including initial startup costs and expected long-term expenditures, along with strategies for financing this initiative:

Overall 15-Year Cost Estimate: Based on analyses of similar large-scale health reforms, providing comprehensive coverage to all Americans will require on the order of tens of trillions of dollars over 15 years. As of fiscal year (FY) 2024, the U.S. federal government allocated approximately $2.3 trillion to healthcare programs and services ($34.5 trillion allocated over 15 years). This figure encompasses both direct spending and tax subsidies, representing about 27% of all federal expenditures and making healthcare the largest category of federal spending For context, a Medicare-for-All style plan was estimated at $32 trillion over 10 yearsmercatus.org for federal spending. Extrapolating to 15 years and accounting for the additional preventive services (like MRIs for all), our plan might require roughly $45–50 trillion in federal funding over 15 years. This figure is undeniably large; however, it must be viewed in light of current spending trajectories. The status quo (no reform) is projected to cost over $60 trillion in national health expenditures in the coming decadelatimes.com, due to rising costs of chronic disease care, hospitalizations, and inefficiencies. In other words, the nation will spend these trillions one way or another – the choice is whether to spend them proactively on prevention and coverage or reactively on disease and crisis care. By reallocating existing health spending and harnessing savings, the net new spending may be far less burdensome than it appears on paper. International experience suggests a unified, prevention-focused system can cost less in the long run while achieving better outcomeslatimes.com.
Initial Startup and Infrastructure Investment: The plan calls for a major upfront investment in the first 1-5 years to build capacity. This includes funding to construct or upgrade community clinics, deploy telehealth technology, train the expanded workforce, and subsidize the new services (MRIs, genetic tests) as they scale up. We project an initial capital/program investment on the order of $500 billion to $1 trillion in the first 5 years. For example, Congress may allocate an immediate $200–300 billion “implementation fund” upon enactment to build clinics, purchase equipment (MRI machines, IT systems), and expand medical school slots. Additional funding in years 2-5 (several hundred billion each year) would go toward subsidizing newly covered services and ramping up staff. These upfront costs are akin to an infrastructure project – building the health system’s capacity. They would be financed through federal appropriations, which could be offset by issuing long-term health bonds or redirecting existing healthcare expenditures (e.g., gradually absorbing state Medicaid budgets into the federal program).
Annual Operating Costs and Savings: Once fully phased in (by around Year 5), the annual operating cost of the universal program is estimated at $4–5 trillion per year, roughly equivalent to current total U.S. health spending. This covers all baseline medical services for 330+ million people, including preventive care, primary care, outpatient and inpatient services, and medications under the baseline formulary. However, unlike the current system, a larger proportion of this spending is front-loaded on prevention. Over time, we expect significant savings from avoided disease and improved efficiency. Preventive interventions are highly cost-effective: for instance, every $1 spent on immunizations can save $2 to $5 in treatment costs, and community wellness programs have shown returns of over $5.60 per $1 investedtfah.org. By catching diseases early (or preventing them entirely), expensive late-stage treatments (chemotherapy, dialysis, stroke rehabilitation, etc.) and hospital stays will decline. By Year 10 and beyond, these savings could amount to hundreds of billions per year. For example, if aggressive prevention slows the growth of chronic disease, the increase in chronic disease treatment costs (projected at $48–68 billion more per year by 2030 under current trendstfah.org) could be significantly curbed. As a result, the 15-year cumulative cost may come down as prevention pays off. Additionally, a unified system reduces administrative overhead – billing and insurance-related costs (which currently consume around 15–20% of U.S. health spending) would shrink when one payer handles claims with simplified rules.
Financing Mechanisms: Funding this program will require a combination of approaches, carefully designed to be progressive and equitable. Since the plan essentially replaces private premiums and out-of-pocket expenses with public funding, most families and businesses will actually pay less than they do now for healthcare, even if taxes are higherlatimes.com. Potential financing measures include: ** payroll tax adjustments, a surtax on high incomes, taxes on unhealthy products (e.g. tobacco, sugar) earmarked for health, and reallocating existing government health spending**. For example, the current federal, state, and local healthcare spending (Medicare, Medicaid, ACA subsidies, VA, etc.) is already about half of U.S. health spending; those funds are redirected into this single program. The remaining need can be met by new taxes that roughly substitute for what employers and individuals were already paying in premiums. One study found that doubling federal income and corporate taxes would still be insufficient to cover ~$32 trillion/10yrmercatus.org, underscoring the need for a mix of revenue sources. In our plan, innovative financing could also come from capturing savings: if the program lowers prescription drug prices through negotiation and curbs the growth of high-cost claims, a portion of those savings feed back into funding preventive services. Furthermore, as preventable diseases decline, Medicare and Medicaid expenditures would have been lower than baseline, freeing up budget to reinvest. Policymakers can also consider deficit financing for upfront investments (just as one would for a war or infrastructure build), given the extraordinary long-term payoff in national health and productivity. Over 15 years, as health inflation slows, the financing burden should plateau or even decrease relative to GDP.
Cost Controls and Efficiency Gains: A critical aspect of maintaining financial sustainability is controlling costs within the system. The unified program will leverage bulk purchasing and price negotiation for services, drugs, and devices – using the full weight of the federal government to get better prices from pharmaceutical companies and medical suppliers. Other countries with single-payer systems successfully negotiate lower drug prices and hospital fees; the U.S. will do the same, aiming to restrain price growth of medical services. Additionally, emphasis on value-based care (rewarding outcomes, not volume of procedures) will ensure money is spent on interventions that actually improve health. The use of technology (like electronic health records and AI for population health management) can streamline operations and reduce waste. With robust federal oversight, fraud and abuse can be more tightly policed than in today’s fragmented system. All these measures will help ensure that while everyone gets more care (preventively), the overall costs do not spiral but instead are balanced by efficiency gains.

In summary, the sticker price of a 15-year universal preventive care rollout is large, but it is an investment that replaces our currently even larger and rapidly growing healthcare expenditures. By spending smarter – prioritizing prevention and eliminating inefficiencies – this plan strives to bend the cost curve downward over time. As chronic diseases are averted and the population becomes healthier, the expectation is that by the end of 15 years, the growth in healthcare spending as a share of GDP will have stabilized or even begun to decline, relative to the trajectory we face now without reform. The next section will discuss how this initiative not only costs money, but also creates jobs and economic growth, further aiding the nation’s ability to finance it.

Workforce Expansion and Job Creation

Transforming the healthcare system to a preventive model will require a massive expansion and reorientation of the healthcare workforce. This challenge is also an opportunity: the initiative is poised to create millions of jobs across various sectors of healthcare and supporting industries. By investing in clinics, training, and outreach, the plan would be a major job engine, especially in the early years. Below is an overview of expected job creation, segmented by role, along with workforce development strategies:

Physicians (Primary Care and Preventive Specialists): To deliver annual check-ups and manage ongoing preventive care for all Americans, we will need a significant increase in primary care doctors and other physicians focused on prevention (such as geriatricians, pediatricians, and preventive medicine specialists). We estimate tens of thousands of new physician positions will be created. For example, if one primary care provider panel is roughly 1,500–2,000 patients, covering 330 million people implies on the order of 165,000 primary care providers; we may currently have a shortfall of tens of thousands. The plan will spur the training and hiring of an estimated +50,000 primary care physicians by Year 15, achieved through expanding medical school slots and residency programs (with funded incentives for choosing primary care). In the short term, the program also integrates physicians currently working in sectors like insurance utilization review into direct patient care. (Notably, as the insurance industry’s administrative side shrinks, many physician roles tied up in paperwork can transition to clinical roles.) This effort addresses the looming physician shortageaamc.orgaamc.org by channeling new talent into areas of greatest need.
Nurses and Nurse Practitioners: Nurses will be the backbone of the preventive care teams, doing everything from administering vaccines to care coordination and patient education. The initiative will create a large number of nursing jobs at all levels – registered nurses (RNs), nurse practitioners (NPs), licensed practical nurses (LPNs), and specialized roles such as community/public health nurses. By integrating NPs into primary care teams, one physician’s team can handle more patients, improving access. We anticipate the need for at least +100,000 additional nurses and NPs over 15 years dedicated to primary and preventive care. Many of these positions will be in community clinics, home visit programs for high-risk patients, and telehealth services (where nurses often triage calls or follow up on care plans). Federal support to nursing schools (scholarships, faculty funding) will ensure the supply of graduates.
Mental Health Professionals: Mental health is a key part of whole-person care, and the plan calls for embedding mental health counselors or therapists in primary care settings. Thousands of new jobs for psychologists, clinical social workers, counselors, and psychiatrists will be created to meet the preventive mental health needs (screenings for depression/anxiety during annual exams, early intervention for substance abuse, etc.). For example, each community health center might hire several behavioral health specialists to be available for warm hand-offs from primary care providers. Over 15 years, perhaps +30,000 to +50,000 mental health professional jobs could be added. This also helps address the existing mental health provider shortage, especially in underserved areas, by funding positions that make it sustainable for these professionals to work in community settings.
Allied Health and Preventive Specialists: A variety of allied health roles will expand. Nutritionists/Dietitianswill be in much higher demand to counsel patients on diet and lifestyle (given the emphasis on preventing obesity, diabetes, etc.). Physical therapists and exercise specialists may see increased roles in preventive programs for mobility and fall prevention in seniors. Pharmacists and pharmacy techs will be needed for medication management in preventive care (ensuring patients stay on preventive meds like blood pressure or cholesterol drugs, for example). Health educators and coaches are another crucial segment – we expect a robust job market for certified health coaches and diabetes prevention program coaches who guide patients in healthy behavior change. Collectively, tens of thousands of jobs in these categories will emerge as part of interdisciplinary teams.
Community Health Workers and Outreach Personnel: A signature aspect of the program is proactive outreach, which relies on community health workers (CHWs), patient navigators, and outreach coordinators. These roles do not require as much formal clinical training, but rather training in basic health knowledge and community engagement. By Year 15, a new workforce of CHWs (potentially 50,000+ positions) could be employed nationwide. They will go into neighborhoods, build trust with residents, coordinate health workshops, and help individuals navigate the system (for example, ensuring a patient who missed their check-up gets rescheduled, or helping someone with transportation to a clinic). This not only creates jobs, often in communities with high unemployment, but also improves health equity by reaching people who traditionally fall through the cracks. Early in the rollout (Year 1–5), hiring CHWs from local communities will be a priority, providing immediate employment and training opportunities. These jobs often suit people looking to enter healthcare without advanced degrees, thus expanding economic opportunity at the local level.
IT and Telehealth Technicians: The technological infrastructure for a nationwide telehealth and electronic health record (EHR) network will require IT professionals, data analysts, software developers, and health information technicians. The federal program will hire many of these roles centrally (to maintain systems) and clinics will also hire IT support for day-to-day operations. We anticipate tens of thousands of new tech jobs linked to healthcare – from building user-friendly telemedicine apps to analyzing big data for population health trends. Telehealth technicians, in particular, will assist patients in connecting with doctors remotely, troubleshoot tech issues, and manage remote monitoring devices. This cross-sector job growth (health + tech) is a strategic benefit, positioning the U.S. as a leader in digital health.
Administrative and Support Staff: While one goal of the unified system is to reduce the administrative bloat (e.g. billing clerks dealing with dozens of insurers), the expanded program will still require administrative workers for running the public system and the clinics. Federal administrative jobs will grow as CMS (or a new agency) scales up to handle enrollment, claims, quality monitoring, and oversight for the entire population. Many workers from the private insurance sector can transition into these public administration roles – bringing their expertise in claims processing, provider network management, etc., but now applying it within one streamlined system. At the local level, clinics will hire receptionists, medical secretaries, and records managers. Overall, administrative job growth will be more modest than clinical roles (since the aim is to simplify administration overall), but there will be a shift in where these jobs reside. Instead of 1,000 different insurance companies hiring staff, those staff might consolidate into the public program or find roles in supporting care delivery directly. It is worth noting that some analyses predict up to 1.8 million jobs in insurance/billing could be phased out under single-payerwashingtonpost.comwashingtonpost.com; however, these losses would occur gradually and be outweighed by job gains in actual healthcare deliveryepi.org. The policy includes transition support (retraining, placement services) for any displaced administrative workers, aiming for net positive employment.

Net Job Impact: Economic analyses indicate that fundamental health reform tends to be a net creator of jobs, due to increased demand for services and improved efficiency spurring broader economic gainsepi.org. As public spending ramps up, it boosts aggregate demand for healthcare workers and related industries. For example, constructing clinics employs construction workers, manufacturing MRI machines employs factory workers – the multiplier effect extends beyond just clinical staff. The Economic Policy Institute finds that any job displacement in the insurance sector will be modest relative to normal labor market churn, and it will be offset by employment growth in providing carewashingtonpost.com. In addition, decoupling health insurance from employment will improve labor market mobility and entrepreneurship (people will feel freer to change jobs or start businesses, knowing they won’t lose healthcarewashingtonpost.com). This could indirectly create jobs in other sectors as well.

To ensure we can fill all these new positions, the legislation heavily emphasizes workforce development:

Training Grants: Starting Year 1, federal grants fund expanded class sizes in medical, nursing, and allied health programs.
Scholarships/Loan Forgiveness: The plan offers scholarships and loan forgiveness for students committing to work in primary care, rural areas, or underserved communities for a set period.
Graduate Medical Education Reform: Medicare GME funding is redirected to add residency slots in family medicine, internal medicine, pediatrics, psychiatry, and general surgery (areas relevant to preventive care) – potentially creating thousands more residency positions by Year 5.
Continuing Education: Current clinicians receive continuing education (with incentives) in preventive practices, team-based care, and cultural competency, so the existing workforce can adapt to the new model.
Diversity and Inclusion: Special efforts ensure recruitment of a diverse healthcare workforce, including from the communities being served, to improve cultural relevance of care and to open career paths for underrepresented groups.

By Year 15, the U.S. will have not only expanded the number of healthcare workers significantly but also reshaped their roles to focus on prevention. This robust job creation (potentially on the order of several hundred thousand new jobs across the health sector) provides an economic stimulus and builds capacity for better care. The societal payoff is substantial: a workforce that is adequately sized and skilled to keep our population healthy, and many Americans gaining stable, meaningful employment in the process.

Expected Social, Health, and Economic Benefits

The Fully Preventive Whole-Person Healthcare system is expected to yield transformative benefits for American society. By emphasizing prevention and universal access, we anticipate improvements in public health outcomes, individual financial security, and macroeconomic performance. Below we detail some of the key positive impacts that policymakers can expect:

Reduction in Chronic Disease and Mortality: One of the most profound benefits will be a sharp decline in preventable chronic diseases over time. With early detection and intervention as the norm, many Americans will avoid developing full-blown conditions that would have plagued them under the current system. For example, widespread lifestyle coaching and preventive medication (like metformin for pre-diabetics) could dramatically cut the incidence of type 2 diabetes. The Diabetes Prevention Program (DPP) in a research setting reduced progression to diabetes by 58% with sustained lifestyle changestfah.org, and our nationwide approach would implement such interventions at scale. Similar impacts are expected for heart disease (through controlling blood pressure, cholesterol, and smoking cessation) and certain cancers (through screenings like colonoscopies, mammograms, and the proposed annual MRIs for early tumor detection). Over 15 years, tens of thousands of lives could be saved annually from heart attacks, strokes, and cancers that are prevented or caught early. As an example, better hypertension control could significantly reduce strokes; better obesity management could reduce related deaths. The overall life expectancy of Americans should rise as a result of these improvements – potentially gaining several additional healthy years on average. (As context, Americans currently lag peers by a few years in life expectancy, partly due to higher chronic disease burdenslatimes.com; this gap can be closed.) Moreover, quality of life in later years will improve: fewer people will suffer the debilitating complications of unmanaged diabetes (like amputations or blindness) or advanced cancers that cause prolonged pain. In sum, the nation becomes healthier, not just living longer but living better.
Healthcare Cost Savings for Families and Economy: Although the program requires large public investment, it will significantly reduce out-of-pocket healthcare costs for families and eliminate the specter of medical bankruptcy. Under this system, no one will face ruinous medical bills for basic healthcare – annual check-ups, needed medications, and standard treatments will be covered. This means families will save on insurance premiums, deductibles, and co-pays that they currently pay (often thousands of dollars a year). The economic relief is especially crucial for lower-income and middle-class households who today might skip care or incur debt to pay for it. With universal coverage, medical debt will plummet; currently, a majority (up to 66%) of personal bankruptcies have a medical cause or contributorwashingtonpost.com, but under this plan, such bankruptcies should approach zero for covered services. People will no longer have to choose between their health and their financial stability. This financial security can have broader effects: consumer spending in other areas may increase when people are not reserving income for potential medical emergencies, providing a stimulus to the economy. Employers will also benefit – they are relieved of the burden of providing health insurance, which can allow them to raise wages or hire more employees with the savingsepi.org. The entrepreneurial spirit might flourish as well; individuals will feel freer to start a small business or switch jobs without fear of losing health coverage (ending “job lock” where workers stay in jobs mainly to keep insurancewashingtonpost.com). At the macro level, healthier citizens are more productive: expect reduced absenteeism and higher productivity at work, as preventive care cuts down sick days and disability. Over years, as the workforce becomes healthier, the U.S. could see GDP gains from increased labor participation (e.g., fewer people exiting the workforce early due to health issues).
Decrease in Healthcare Disparities and Improved Equity: Universal preventive coverage will have a particularly strong impact on vulnerable populations who historically faced barriers to care – including low-income communities, racial and ethnic minorities, and rural populations. By providing uniform access to services(everyone gets a check-up, everyone has a local clinic or telehealth access), we narrow the gap in health outcomes. Preventive care will no longer be a luxury; conditions that ran rampant in underserved groups (like uncontrolled hypertension in communities lacking primary care) will be addressed. For example, African Americans have higher rates of undiagnosed high blood pressure and diabetes – a proactive system will find and treat those earlier, reducing complications in that group. Rural residents will benefit from telehealth linking them to specialists. Over the 15-year rollout, we expect metrics like infant mortality and maternal health to improve, especially in areas where they were worst, because continuous care and early interventions (e.g., prenatal care outreach) will reach those who need it. In a generation, the historic racial and socioeconomic disparities in diseases like stroke, certain cancers, and COVID-19 outcomes should be measurably reduced. This is not just a health issue but a matter of social justice – equalizing healthcare access is a step toward a fairer society.
Fewer Hospitalizations and Emergency Care Crises: Preventive care can dramatically reduce the need for hospital and emergency room visits by managing issues upstream. As the program matures, we anticipate lower hospital admission rates for preventable conditions. For instance, better outpatient management of asthma means fewer ER trips for asthma attacks; timely control of infections and minor injuries in clinics means fewer sepsis cases or untreated complications. Over 15 years, the strain on hospitals – and the associated costs – will ease. Hospitals can focus resources on truly acute and complex cases, and might even downsize expensive emergency infrastructures that were previously flooded with primary-care treatable issues. This makes the healthcare system more efficient. The Centers for Medicare & Medicaid Services (CMS) in pilot programs have seen reduced hospital utilization when strong care coordination is in place; our nationwide program will amplify that effect. One concrete expected impact is a reduction in avoidable readmissions (a known cost driver) due to better post-discharge follow-up by the care teams.
Advances in Medical Knowledge and Innovation: By focusing national attention on prevention, the program will stimulate a wave of medical innovation. Significant federal grants and the prestige of the Preventive Health Innovation Awards will galvanize research into vaccines, preventive therapies, and early diagnostic tools. We can expect new breakthroughs – perhaps a vaccine for a major chronic condition (there are already trials for vaccines against diabetes and certain drug addictions), or gene therapies that eliminate inherited cancer risks. The program will rapidly implement these breakthroughs for the entire population, multiplying their benefit. Additionally, the vast amount of health data gathered (with appropriate privacy protections) – e.g., millions of MRI scans and genetic profiles – can feed research that discovers patterns and risk factors at an unprecedented scale, potentially leading to new preventive strategies. The U.S. could become a world leader in precision prevention, exporting knowledge and technologies to other countries, creating an industry around preventive health innovation. Pharma companies may shift their business models more toward one-time preventive cures (with incentives ensuring it’s profitable to do so). In summary, the initiative doesn’t just use existing preventive measures; it actively creates an environment that breeds the next generation of prevention science.
Community and Social Benefits: Beyond the direct health metrics, a preventive approach has positive ripple effects in communities. As clinics become hubs of wellness, they can spark health-oriented community activities (farmers markets for healthy food, exercise groups, smoking cessation workshops). Healthier communities tend to see benefits like reduced crime (some studies link improved mental health and employment to lower crime), better school attendance and performance (healthier kids miss fewer school days), and higher civic participation. Moreover, the jobs created (especially CHWs and clinic staff) mean an economic boost in many neighborhoods, often providing good jobs in areas that need them. Over 15 years, we might see a renaissance of public health spirit – similar to how the early 20th century saw sanitation and vaccination campaigns as collective efforts, the mid-21st century could see preventive health become a shared societal value. This can also improve trust in the healthcare system and government, as people tangibly experience the benefits of a system that cares for them continuously.
Environmental and Long-Term Payoffs: A healthier population is more resilient, including in the face of public health emergencies. With an established network of clinics and a habit of annual visits, responding to something like a pandemic (distributing vaccines or information) becomes easier – the channels to reach every citizen are already in place. Additionally, preventive medicine can have environmental benefits: for example, if the program supports active lifestyles (more walking, cycling) we might indirectly reduce pollution and traffic. Healthier diets promoted by the program could, in aggregate, lower demand for certain resource-intensive foods, subtly benefiting environmental sustainability.

In quantitative terms, by Year 15 we expect to see: a significant drop in the prevalence and cost of treatable chronic conditions (potentially saving hundreds of billions annually that would have gone to treating advanced diseasestfah.org), a near elimination of medical bankruptcy as a phenomenon, an increase in average life expectancy and healthy life years, and higher workforce productivity contributing to economic growth. The positive social impact – in the form of greater equity and security – is incalculable but invaluable. While challenges will surely arise in implementation (which will need careful management), the potential benefits make a compelling case for this ambitious transformation of American healthcare.

Legislative Proposal: Whole-Person Preventive Healthcare Act

(Draft bill to enact the Fully Preventive, Whole-Person Healthcare system as described above. This legislative text is formatted for U.S. federal lawmakers, covering the program’s structure, funding, mandates, and phased implementation.)

Section 1. Short Title.
This Act may be cited as the “Whole-Person Preventive Healthcare Act of 2025.”

Section 2. Definitions.
For purposes of this Act:

“Program” – The term “Program” refers to the Universal Preventive Health Program established under this Act, which expands Medicare or creates a new federal insurance program to provide baseline healthcare coverage focusing on preventive services to all eligible individuals in the United States.
“Baseline Coverage” – The term “baseline coverage” means a federally funded health benefits package that includes preventive services, primary care, emergency care, mental health services, and other essential medical services as defined by this Act and implementing regulations. Baseline coverage is provided to individuals without regard to income, age, employment, or health status.
“Preventive Services” – The term “preventive services” includes services such as annual wellness examinations, age-appropriate health screenings (including but not limited to blood pressure, cholesterol, cancer screenings), vaccinations and immunizations, counseling for health risk behaviors (such as nutrition and smoking cessation), prenatal and postnatal care, routine laboratory tests, annual MRI scans as specified by the Program’s guidelines, and genetic/DNA tests for health risk assessment, as well as any other services the Secretary deems preventive or early-diagnostic in nature.
“Secretary” – The term “Secretary” means the Secretary of Health and Human Services, or the Secretary’s designee, who shall be responsible for administering and overseeing the Program.
“Interdisciplinary Care Team” – The term “interdisciplinary care team” means a group of health professionals working collaboratively to deliver healthcare services under the Program, typically including at least a primary care practitioner, a nurse, and additional members such as a mental health professional, dietitian, and community health worker, as appropriate to provide comprehensive preventive care.
“Community Health Center” – The term “Community Health Center” refers to a local clinic or healthcare facility that provides primary and preventive care services to the community, which may be operated by a public or nonprofit entity and which participates in the Program pursuant to Section 5 of this Act.
“Eligible Entity” – The term “eligible entity” refers to any public or private nonprofit organization, academic institution, healthcare provider, or consortium thereof that meets criteria set by the Secretary to receive grants or contracts under this Act (for example, to operate a community clinic or carry out a training program).
“Preventive Health Innovation Award” – The term “Preventive Health Innovation Award” refers to the award established by Section 9 of this Act, which shall recognize and reward significant advancements in preventive healthcare.

Section 3. Establishment of the Universal Preventive Health Program.
(a) In General: There is established a federal health insurance program, to be known as the Universal Preventive Health Program (hereafter “the Program”), which shall provide baseline health coverage emphasizing preventive and primary care to all individuals entitled under subsection (b). The Program shall be administered by the Department of Health and Human Services. The Secretary shall have authority to issue regulations and take all necessary actions to implement the Program in accordance with this Act.

(b) Universal Eligibility and Enrollment: Every individual who is a citizen or lawful resident of the United States is eligible for the Program. Enrollment in the Program shall be automatic for all such individuals, with procedures for individuals to opt out as described in Section 11. There shall be no means test or income requirement for enrollment. The Secretary shall develop an outreach and enrollment plan to ensure all eligible individuals are informed of their coverage. Existing enrollees in Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), and federal Marketplace plans shall be transitioned into the Program pursuant to the phased implementation in Section 10.

(c) Coverage as Entitlement: Eligible individuals enrolled in the Program are entitled to receive the baseline coverage benefits defined in this Act. Such entitlement shall take effect in phases according to the implementation schedule in Section 10, ultimately achieving universal coverage by the date specified therein.

(d) Federal Administration: The Program will be administered by the Centers for Medicare & Medicaid Services (CMS) or such other office or administrative body within HHS as the Secretary may designate. The Secretary may establish a dedicated administrative unit (e.g., “Office of Preventive Health”) within CMS to manage this Program. The Secretary is authorized to hire staff, upgrade information systems, and take other administrative measures needed for implementation. Federal administrative expenses for the Program shall be paid from funds appropriated for this purpose, including the Trust Fund established in subsection (e).

(e) Universal Health Trust Fund: (1) Establishment: There is created in the Treasury of the United States a trust fund to be known as the “Universal Preventive Health Trust Fund” (the “Trust Fund”), to finance the Program. (2) Appropriations into Trust Fund: There are hereby appropriated to the Trust Fund for each fiscal year such sums as are necessary to carry out this Act, including benefit payments, grants, and administrative costs. In addition, any dedicated revenues (from taxes or savings specified by Congress for this Program) shall be credited to the Trust Fund. (3) Trustee and Reports: The Secretary of the Treasury shall be a trustee of the Trust Fund and shall report annually to Congress on its financial status. The Trust Fund shall be managed in a manner similar to the Federal Hospital Insurance Trust Fund (Medicare Part A), except that disbursements from it shall be for the Program’s expenses as certified by the Secretary of HHS.

(f) Relationship to Other Health Programs: Beginning on the effective dates established in Section 10, the health benefits provided under the Program shall replace overlapping coverage from other federal programs: specifically, Medicare Part A, Part B, and Part D, Medicaid, and CHIP will cease to provide duplicative benefits to individuals once those individuals are covered under the Program. (Medicaid may continue to provide wrap-around services not covered by the Program, such as long-term care, unless otherwise provided by law.) Enrollees of the Veterans Health Administration, Department of Defense TRICARE, and Indian Health Service may utilize the Program for preventive services but those systems may also continue their own healthcare delivery as now. Private health insurance offering benefits covered by the Program is permitted only as supplemental insurance (for services not included in baseline coverage, or for additional amenities), and not as primary coverage for benefits provided by the Program. The Secretary shall regulate private insurance offerings to ensure they do not duplicate or undermine the Program’s universal risk pool.

(g) Advisory Council: The Secretary shall establish a Preventive Health Advisory Council within 180 days of enactment. The Council shall comprise 15 members appointed by the Secretary, including experts in public health, primary care, health economics, patient advocacy, and representatives of healthcare providers and state health departments. The Council’s duty is to advise the Secretary on matters of implementation, benefits, and quality improvement for the Program. The Council shall meet at least quarterly and issue an annual report to Congress on the progress of the Program and recommendations for policy adjustments.

Section 4. Benefits and Services Covered by the Program.
(a) Comprehensive Benefit Coverage: The Program shall cover a comprehensive set of health services, referred to as the baseline benefits package, for all enrolled individuals. These benefits shall emphasize preventive, primary, and essential healthcare. At a minimum, the baseline benefits package includes:

Preventive and Primary Care Services: All evidence-based preventive services with a rating of A or B in the current recommendations of the United States Preventive Services Task Force (USPSTF) are covered. This includes but is not limited to: routine adult annual physical exams, well-child pediatric visits, immunizations as recommended by the CDC’s Advisory Committee on Immunization Practices (ACIP), cancer screenings (such as mammograms, Pap smears, colonoscopies, lung CT scans for high-risk patients, etc.), cardiovascular screenings (blood pressure checks, cholesterol tests), diabetes screening, osteoporosis screening, mental health screenings (for depression, anxiety, substance use), and prenatal care and screenings for pregnant women. Such services shall be provided at intervals established by evidence-based guidelines (for example, annual or as recommended by clinical guidelines).
Advanced Preventive Screenings: Pursuant to the Program’s goals, each enrollee shall be offered an annual comprehensive screening, which may include advanced technologies. Specifically: (A) Imaging: The Program covers an annual MRI scan for preventive screening purposes. The Secretary, in consultation with clinical experts, shall issue guidelines on the scope of these MRI screenings (full-body or targeted) based on age, risk factors, and best practices to maximize early detection while minimizing unnecessary procedures. (B) Genetic Testing: The Program covers genomic testing (DNA analysis) for health risk factors once per lifetime (or more frequently if medically necessary or upon significant updates in genetic knowledge). This includes tests for hereditary predispositions to cancers, pharmacogenomic profiling to guide medication choices, and other clinically actionable variants. Genetic counseling by a qualified provider is also covered when such testing is ordered, to ensure results are interpreted and discussed appropriately with the patient. Results from advanced screenings shall be integrated into the individual’s care plan, and any follow-up diagnostic tests or consultations indicated by findings are covered as well.
Outpatient and Ambulatory Services: All medically necessary visits to primary care providers, specialty providers (upon referral as appropriate), and outpatient clinics are covered. This includes evaluation and management of acute illnesses and chronic conditions, minor procedures (such as wound care, lesion removal, joint injections) done in outpatient settings, and medically indicated diagnostic tests (blood tests, imaging like X-rays or ultrasounds beyond the routine MRI, etc.). Preventive dental and vision services for children (e.g., fluoride treatments, eye exams) are covered, as well as an annual vision and dental check for adults (not including major dental procedures or eyewear, which could be supplemental unless later incorporated by amendment).
Mental Health and Substance Use Disorder Services: The Program fully covers mental health care on par with physical health. This includes outpatient therapy visits (individual or group counseling), psychiatric evaluations, and treatment (including psychiatric medication management). Preventive mental health includes coverage for stress reduction programs, community support groups, and school-based mental health programs. Substance use disorder treatment is covered, including counseling, medication-assisted treatment (e.g., for opioid use disorder), and inpatient detoxification or rehabilitation services when necessary. There shall be no limits on mental health visits different from medical visits; parity is required.
Hospital and Emergency Services: While the focus is preventive, the Program ensures coverage for hospital-based care when needed. Emergency room visits are covered for emergencies, and no prior authorization is required for true emergencies. Inpatient hospital services are covered, including all medically necessary care during a hospital stay (e.g., surgeries, specialist consults, intensive care, medications, etc.). The Program thus serves as a full insurance plan ensuring that even acute and catastrophic health needs are met. The expectation is that robust prevention will reduce the incidence of such events, but coverage is guaranteed when they occur.
Prescription Drugs and Medical Devices: A comprehensive formulary of prescription drugs is covered under the Program. This includes all preventive medications (such as vaccines, contraceptives, statins for those at risk of heart disease, etc. recommended by USPSTF or ACIP), as well as drugs for ongoing treatment of chronic conditions (hypertensives, insulin, inhalers, psychiatric medications, etc.) and acute illnesses. The Secretary shall utilize price negotiation and formulary management to ensure cost-effective access to medicationlatimes.comlatimes.com】. Durable medical equipment and devices necessary for preventive or therapeutic purposes (e.g., glucometers for diabetic patients, blood pressure monitors for hypertensive patients, mobility aids to prevent injury) are covered as well.
Rehabilitative and Habilitative Services: Services that help individuals maintain or regain functional abilities are covered when medically necessary. For example, physical therapy or occupational therapy after an injury or surgery (with a goal of preventing long-term disability) is covered. Cardiac rehabilitation for heart disease patients and pulmonary rehabilitation for chronic lung patients are covered. Habilitative services (like speech therapy for a child with developmental delay) are included to support long-term health and function.
Home-Based Preventive Care: For populations such as the elderly or disabled who may have difficulty visiting clinics, the Program covers home health visits for preventive purposes. This can include a home health nurse visit for a frail elder to check vitals, ensure medications and diet are managed (preventing deterioration), and identify fall risks in the home. It also includes hospice care for end-of-life (to prevent unwanted aggressive treatments) and palliative care consultations as part of a holistic health plan.

(b) No Cost-Sharing for Covered Services: All services covered under the baseline benefits package are provided to enrollees without any deductibles, co-payments, or coinsurance. Preventive services shall especially carry no cost-sharintfah.org】. The intent is to remove financial barriers to care. The Secretary may authorize minimal cost-sharing only for certain non-preventive services if needed to prevent misuse, but any such cost-sharing must be minimal, not applied to preventive or chronic care management, and waived for low-income individuals.

(c) Medical Necessity and Benefit Flexibility: The Secretary shall define by regulation the standards of medical necessity for covered services, consistent with clinical guidelines and the goal of prevention. If a service not explicitly listed in subsection (a) is needed for preventive or essential health, it shall be considered covered if it falls within the general categories of care (e.g., an emerging screening test proven effective, or a specialist therapy needed to prevent disease progression). The benefits package can be updated by the Secretary, with advice from the Advisory Council, to incorporate new preventive measures or treatments as evidence evolves. Congress shall be notified of any substantial changes to covered benefits.

(d) Relationships to Existing Coverage Requirements: The benefits provided under this Act shall meet or exceed the requirements of essential health benefits as defined in the Affordable Care Act. Any federal or state laws mandating certain health benefits (such as state-mandated screenings or services) are preempted to the extent of duplication, since the Program provides a uniform national standard. However, states may offer additional benefits at their own expense as a supplement for their residents (for example, if a state wishes to cover dental and vision for adults as baseline in addition to what this Act covers, they may do so via separate state programs or waivers).

Section 5. Delivery System Reforms: Community Health Centers and Team-Based Care.
(a) Expansion of Community Health Centers: The Secretary shall award grants, contracts, and other funding to expand the capacity of community-based clinics across the country to deliver services under the Program. Within one year of enactment, HHS shall identify priority areas with shortages of primary care or high unmet need and begin funding the establishment of new Community Health Centers (CHCs) or expansion of existing ones. These CHCs can be operated by public or nonprofit entities, including Federally Qualified Health Centers (FQHCs), rural health clinics, and school-based health centers. By Year 5 of the Program, the goal is to have at least one accessible CHC (or equivalent facility) for every medially underserved area or population, ensuring nationwide coverage of primary care access points. Grant funds may be used for construction or renovation of clinic facilities, purchase of medical equipment (including imaging machines for preventive screenings), development of telehealth infrastructure, and hiring of multidisciplinary staff. Each funded CHC must: (1) offer the full range of baseline preventive and primary care services to all Program enrollees without discrimination, (2) use sliding-scale fees only for services not covered by the Program or for non-enrollees (with emergency care provided regardless of ability to pay), and (3) coordinate with public health agencies for community-wide initiatives (like vaccination drives, health education). The Secretary shall coordinate CHC expansion with state and local health officials to avoid duplication and maximize coverage.

(b) Interdisciplinary Care Teams: Providers delivering care under the Program are required to practice in or with interdisciplinary health teams to the extent practicable. The Secretary shall establish standards and guidelines for team-based care. These standards will encourage models such as the patient-centered medical home (PCMH), where each patient has an ongoing relationship with a primary care team that manages and coordinates their care. A typical team may consist of a primary care physician or nurse practitioner (team leader), a registered nurse or care coordinator, a behavioral health specialist, a pharmacist or pharmacy consultant, a nutritionist, and one or more community health workers or patient navigators. Payment systems under the Program will be structured to support team care (for example, through bundled payments or care coordination fees rather than strictly fee-for-service for individual visits). The Secretary shall ensure that reimbursement policies reward prevention activities like patient counseling, care coordination, and follow-up outreach – tasks often performed by team members other than physicians. Healthcare providers in solo or small practices are encouraged to form virtual teams or networks to meet these requirements, and technical assistance will be provided to help them transition.

(c) Telehealth Services: The Program shall integrate telehealth as a fundamental mode of service delivery. All covered benefits that can be provided safely and effectively via telehealth (such as consultations, certain screenings, mental health therapy sessions, follow-ups for chronic conditions) shall be reimbursable under the Program at parity with in-person services. The Secretary will establish a national telehealth platform or standards to allow interoperability among providers. Within 2 years of enactment, every enrollee should have the ability to attend appointments remotely for appropriate services using either telephone or internet-based technology. Special grants may be given to providers in rural areas to acquire telehealth equipment and train staff. Broadband initiatives by other agencies will be coordinated to support connectivity in underserved areas for healthcare purposes. Additionally, mobile health units (e.g., vans equipped with telehealth terminals or basic exam facilities) may be funded to reach remote populations, functioning as extensions of community health centers.

(d) Outreach and Preventive Health Education: The Secretary, in collaboration with state and local public health departments, shall implement ongoing community outreach programs to maximize the uptake of preventive services. This includes hiring and deploying Community Health Workers (CHWs) and Patient Navigators as discussed in Section 6, who will work within communities to: educate the public about the availability of free preventive care, assist individuals in scheduling their annual wellness exams, follow up with patients who miss appointments, and address social barriers to care (like transportation or language issues). Culturally and linguistically appropriate materials and programs shall be developed to reach diverse populations. Grants can be provided to community-based organizations (e.g., local non-profits, faith-based groups) to conduct health education workshops, chronic disease self-management classes, nutrition and exercise programs, and similar preventive health promotion activities, all coordinated under the umbrella of the Program. The focus is not only clinical services but also empowering people with knowledge and tools to take charge of their health.

(e) Quality and Accountability in Care Delivery: The Secretary shall establish a Preventive Care Quality Monitoring System. Participating providers and facilities will submit data on key performance indicators (KPIs) such as: percentage of their patient panel up-to-date with recommended screenings and immunizations, control rates for chronic conditions (like the proportion of hypertensive patients with blood pressure under control), patient satisfaction scores, and incidence of preventable hospitalizations among their patients. Using this data, the Program will identify high-performing care teams and low-performing ones. Incentives: The Secretary may implement pay-for-performance bonuses or public recognition for providers that excel in preventive care outcomes (for example, a bonus payment for achieving a high colorectal cancer screening rate in their population). Remediation: Providers or centers that lag behind benchmarks will receive targeted support – e.g., technical assistance, training modules, or temporary infusion of resources – to improve their preventive care delivery. Persistent failure to meet minimum standards may result in progressive remedies, including potential reorganization of the clinic’s management or, in extreme cases, exclusion from participating in the Program (with patients seamlessly reassigned to other providers), subject to due process and only after attempts at improvement.

Section 6. Health Workforce Development for Preventive Care.
(a) Workforce Commission: The Secretary shall establish a National Preventive Health Workforce Commissionwithin 90 days of enactment. This Commission will assess the workforce needs of the Program on an ongoing basis (including numbers and types of providers required) and advise on strategies to meet those needs. The Commission will include representatives from medical and nursing schools, public health schools, professional societies (e.g., American Academy of Family Physicians, American Nurses Association), and workforce experts. It will publish an annual workforce plan for the Program with projections and recommendations.

(b) Training Grants to Educational Institutions: The Secretary, in consultation with the Secretary of Education as appropriate, shall provide grants to accredited educational institutions (medical schools, nursing schools, allied health training programs, etc.) to expand and refocus training in preventive care. These Preventive Medicine Training Grantsshall be used to:

Increase the number of slots for students and trainees in primary care fields (family medicine, general internal medicine, general pediatrics), geriatrics, psychiatry, and other specialties critical to preventive services. For example, a medical school might receive a grant to add 25 new MD or DO slots specifically for students committing to primary care.
Develop or enhance curricula emphasizing prevention, public health, and team-based care. Schools will be encouraged (and funded) to incorporate courses on nutrition, health behavior change, population health management, and social determinants of health into their core curricula. Inter-professional education (medical, nursing, pharmacy students training together in teamwork) shall be a priority.
Create new programs or departments, such as Departments of Preventive Medicine or Community Health, and support residency programs in Preventive Medicine. Funded institutions should develop rotations for trainees in community clinics and public health settings to gain practical preventive care experience.

To be eligible for these grants, institutions must submit a plan to the Secretary detailing how they will use funds to train practitioners for the Program’s needs, including recruitment of students from rural and underserved backgrounds (since such students are more likely to serve in high-need communities).

(c) Graduate Medical Education (GME) Reform: The Act authorizes the Secretary to direct and distribute Medicare-funded GME residency positions in alignment with the Program’s objectives. Beginning with the first academic year that starts 2 years after enactment, at least 5,000 new residency positions (above the existing cap) are authorized in primary care or preventive-focused specialties. These new slots will be funded through Medicare GME payments or direct funding from the Program’s Trust Fund, and allocated to hospitals or teaching health centers that commit to training residents in ambulatory, community-based settings and toward careers in primary care. Additionally, the Secretary shall adjust existing GME slot distributions to increase positions in family medicine, internal medicine, pediatrics, psychiatry, and general surgery (for rural surgical needs) while freezing or reducing growth in overly subspecialized fields if necessary. Teaching Health Center GME programs (training residents in community health centers) will receive expanded funding under this Act, recognizing their success in producing primary care clinicians.

(d) Scholarships and Loan Repayment: There is established a Preventive Healthcare Workforce Scholarship and Loan Repayment Program to incentivize individuals to pursue careers needed by the Program. Under this program:

Scholarships: The Secretary can award scholarships covering tuition and reasonable living expenses to students in health professional schools (medicine, nursing, physician assistant, etc.) who commit to a minimum of 5 years service in the Program after graduation (service can be in any qualified facility or as part of an interdisciplinary team providing care to Program enrollees). A portion of scholarships shall be reserved for applicants from underrepresented backgrounds and those willing to serve in rural or high-need urban areas.
Loan Repayment: Health professionals who have completed training can receive loan repayment assistance for educational loans if they serve in roles needed by the Program (e.g., primary care doctor, nurse practitioner, mental health clinician in a community clinic). For each year of service in a designated area of need or facility, a portion of their loans (for example, $X per year) will be paid by the Program, with higher amounts or accelerated repayment for those in the highest-need locations.
The Secretary shall coordinate this with the National Health Service Corps (NHSC) to ensure synergy and avoid duplication, possibly expanding NHSC funding under this Act.

(e) Continuing Education and Provider Support: The Program will fund continuing professional development to equip the existing workforce with preventive care skills. This includes free or subsidized training modules for current practitioners on topics such as behavioral counseling techniques, updated preventive guidelines, cultural competency, and team-based care best practices. The Secretary may provide grants to professional associations to organize annual training conferences or online courses focused on prevention. Participation in such training may be tied to incentive payments or maintenance of certification requirements, to encourage widespread uptake. Additionally, a national technical assistance center shall be established to support clinics and providers in implementing preventive care models, offering expertise in practice transformation (e.g., how to adopt electronic health records for population health, how to integrate a new nutritionist into a practice).

(f) Workforce Diversity and Distribution: All workforce programs under this Act (scholarships, residencies, hiring grants) should strive to produce a workforce that reflects the diversity of the nation’s population and is well-distributed geographically. The Secretary shall give preference in funding to programs that recruit candidates from rural areas, minority communities, and other underrepresented groups in medicine, and that encourage graduates to return to serve in those communities.

Section 7. Pharmaceutical and Medical Innovation for Prevention.
(a) Research and Development Grants: The Secretary (in coordination with NIH, CDC, and other relevant agencies) shall establish a Preventive Medicine Research Fund to provide grants, contracts, or cooperative agreements to spur research and development of preventive healthcare solutions. This includes R&D for: new vaccines for infectious diseases and certain chronic conditions (e.g., a vaccine for opioid addiction or diabetes), medications that halt or reverse early-stage chronic diseases, improved screening technologies (like low-cost full-body imaging or blood tests that detect cancers early), and genetic therapies that prevent hereditary disease manifestation. Grants can be awarded to pharmaceutical companies, biotech firms, academic institutions, and public-private partnerships. Priority will be given to projects that address leading causes of morbidity and mortality or that have potential for large-scale public health impact. Recipients of federal R&D funds under this section may be required to agree to fair pricing clauses for any resulting products (to ensure the public can afford the fruits of taxpayer-funded innovation).

(b) Tax Incentives for Prevention-Focused Products: The Internal Revenue Code shall be amended (outside this Act as necessary) to provide tax credits for expenditures on clinical trials or regulatory approval of preventive drugs and devices. For example, a company that conducts a Phase III trial for a new preventive medication (such as an Alzheimer’s prevention drug) could receive a tax credit equal to a percentage of qualified research expenses. Additionally, the FDA is encouraged to designate high-impact preventive innovations as priority review items to expedite their availability.

(c) Preventive Health Innovation Award: The Secretary shall establish an annual Preventive Health Innovation Award program. Each year, an independent committee appointed by the Secretary will solicit nominations and select winners (individuals, teams, or organizations) that have achieved extraordinary advances in preventive health. Categories might include: (1) Scientific Breakthrough – e.g., discovery of a new vaccine or cure; (2) Technology – e.g., development of a novel preventive screening device or health IT tool that improved prevention; (3) Community Impact– e.g., a local program that drastically reduced disease rates. Each award shall include public recognition and a monetary prize (funded by the Program) to incentivize continued innovation (for instance, not less than $5 million for a top scientific award). The awards will highlight and reward the importance of prevention in healthcare, much like the X-Prize concept, galvanizing both public and private sectors to focus on preventive care advancements.

(d) Collaboration with Industry: The Secretary is authorized to enter into public-private partnerships for specific initiatives – for example, a partnership with pharmaceutical manufacturers to co-fund development of vaccines for chronic diseases, or with technology companies to develop wearable devices that monitor health and prevent emergencies. These partnerships can include federally funded challenge grants or milestone-based payments for achieving targets (e.g., a cash reward for developing a vaccine of at least 50% efficacy against an addiction or dementia). To ensure alignment, any product resulting from such partnership that becomes part of the Program’s benefits will be made available to Program enrollees with fair pricing (negotiated as part of the partnership agreements).

Section 8. Funding and Appropriations.
(a) Appropriation of Funds: Congress hereby appropriates such sums as necessary to carry out all provisions of this Act. This includes funding for: the Trust Fund in Section 3(e) to pay for healthcare services (benefits) under the Program, the grant programs and workforce initiatives in Sections 5, 6, and 7, and the administrative costs of HHS and other agencies in implementing the Act. Initial appropriations shall include a one-time startup fund (the “Preventive Health Implementation Fund”) in the amount of $300,000,000,000 for fiscal years 2025–2027, available until expended, to cover capital investments, system build-out, and initial operating expenses as described in the phased implementation plan.

(b) Budgeting and Revenue: It is the sense of Congress that the funding for the Program should be obtained from a combination of sources that may include: reallocation of existing federal health expenditures (Medicare and Medicaid funding streams consolidated into the Program), new progressive tax revenues (such as adjustments to payroll taxes, a surtax on high incomes or net wealth, or taxes on products detrimental to public health like tobacco/sugar), and savings from reduced healthcare spending due to prevention. Specific revenue provisions (e.g., tax law changes) will be enacted separately in a complementary revenue bill. The Secretary of the Treasury, in consultation with the Secretary of HHS, shall each year certify whether the dedicated revenues are sufficient to cover projected costs, and if not, shall report to Congress recommendations for adjustments in funding. Congress commits to ensuring solvency of the Program’s Trust Fund on a decadal basis.

(c) State Contribution Maintenance: Beginning in the first year that the Program fully replaces Medicaid for covered benefits, states shall maintenance their effort by continuing to provide an amount equivalent to what their Medicaid matching funds for those benefits would have been, by transferring that amount to the federal Trust Fund (or otherwise as arranged). However, states may request waivers or adjustments based on their fiscal capacity or if they have already implemented state-level revenue mechanisms for healthcare. The goal is a fair partnership where states contribute to the cost of health coverage but with relief from the administrative burden of Medicaid for acute care (as it’s now federalized).

(d) Administrative Cost Cap: Congress intends that administrative expenses of the Program (including HHS operations, claims processing, etc.) should not exceed 5% of total expenditures after full phase-in, capitalizing on efficiencies of scale. The Secretary shall report annually on administrative costs, and any excess above 5% shall trigger a review by the Inspector General for potential waste reduction.

Section 9. Phased Implementation Schedule.
The transition to the universal Program shall occur in stages to ensure continuity of care and fiscal stability. The following timeline and milestones are established:

Within 180 Days of Enactment: The Secretary shall establish the administrative infrastructure for the Program (per Section 3) and launch public information campaigns. Initial funding for community health center expansion and workforce programs (Sections 5 and 6) shall be disbursed. Advisory Council (Section 3(g)) and Workforce Commission (Section 6(a)) are convened.
By 1 Year After Enactment: Phase I Coverage Expansion Begins. The Program shall begin covering preventive services for all individuals under age 18 (children) and age 65+ (seniors), effectively expanding Medicare preventive benefits to children and adding younger people in a new risk pool. Additionally, all uninsured adults (age 19–64) shall be eligible to enroll and receive at least preventive outpatient benefits by this date. Medicare benefits for seniors remain during this phase, but co-payments for preventive services in Medicare are eliminated to align with this Act. The Secretary will also test pilot programs of annual MRI screenings in at least 3 diverse regions and genomic testing offerings to refine protocols.
By 3 Years After Enactment: Phase II – Broad Population Enrollment. The Program’s eligibility extends to all adults age 55–64 (covering early retirees and others in that bracket) and all remaining uninsured or under-insured adults, including those currently on ACA exchange plans, which will transition to the Program. A mechanism for auto-enrolling individuals (through IRS tax filings, state DMV or voter registrations, etc.) will be in place to capture anyone not yet enrolled. During this phase, employer-sponsored insurance can continue, but large employers are permitted to buy into the Program for their employees or pay a healthcare fee to the federal government as part of financing (to be determined in revenue provisions). The Secretary shall report to Congress on whether additional authority is needed to merge employer plans. Community Health Centers funded under this Act should be operational in most targeted areas by now.
By 5 Years After Enactment: Phase III – Universal Coverage Achieved. The Program shall cover all U.S. residents for baseline benefits. At this point, all relevant federal programs (Medicare, Medicaid, CHIP, ACA marketplace plans) seamlessly transition their enrollees into the Universal Program. Americans will receive Program ID cards (or utilize SSN-based or other unique identifiers) for accessing care. Private health insurance that duplicates the Program is phased out; insurers pivot to offering only supplemental policies (regulated by states and the Secretary). Key infrastructure – including the national health record system and telehealth network – is fully functional. The annual mandated wellness exams (Section 11) are in effect for the entire population, with data reporting high compliance rates. Phase III is effectively “Medicare for All baseline coverage” in place.
Years 6–10 After Enactment: Phase IV – System Optimization. During this period, the Secretary, guided by outcomes data, will make adjustments to benefits and operations. This could include expanding baseline benefits (for instance, incorporating adult dental or vision if funding allows), updating screening guidelines (based on evidence from earlier phases about effectiveness of annual MRIs, etc.), and strengthening cost control measures. By Year 10, the Program should demonstrate reductions in certain disease rates and cost growth as targeted; if not, the Act mandates that the Secretary convene a Congressional hearing to discuss course corrections. Also by Year 10, any remaining gaps in provider supply will be addressed by the matured workforce programs – e.g., if some rural areas still lack sufficient clinicians, additional incentives or deployment of National Health Service Corps personnel will be done.
Years 11–15 After Enactment: Phase V – Full Integration & Evaluation. By Year 15, the Program is fully integrated into the healthcare system and public consciousness. In this phase, an independent evaluation commission (perhaps the Medicare Payment Advisory Commission expanded or a special commission) will conduct a thorough review of the Program’s outcomes (health improvements, financial sustainability, public satisfaction). They will report to Congress with recommendations for any legislative refinements or expansions (such as long-term care coverage or deeper drug pricing reforms) to continue improving the system. The phased transition is thus complete, and the Program operates as an enduring federal healthcare guarantee.

The Secretary shall have authority to adjust the timelines of Phase II and III by up to one year if unanticipated challenges require more time, but any such adjustment must be reported to Congress with a rationale and a plan to catch up progress. It is the intent of Congress that universal coverage and the bulk of reforms be achieved by the five-year mark.

Section 10. Individual Participation, Mandates, and Opt-Out Provisions.
(a) Annual Wellness Exam Participation: In order to promote public health, the Program shall schedule an annual preventive health exam (the “Annual Wellness Visit”) for every enrollee. All enrollees will be notified of their assigned or recommended wellness visit date each year (which they can reschedule as needed). While utilization of services is strongly encouraged, individuals have the right to opt out of any specific preventive service or the entire annual exam if they so choose. Opting out requires a simple written or electronic declination submitted to the Program (or verbally communicated to a provider, to be recorded). There is no financial penalty to an individual for opting out of the annual exam or any service – the Program does not impose fines or loss of coverage for non-participation.

(b) Incentives for Participation: The Secretary is authorized to implement non-coercive incentives to encourage enrollees to engage in preventive care. For example, the Program may provide a small cash rebate, gift card, or reduction in future healthcare premium taxes (if any) for individuals who complete their annual wellness visit and recommended screenings each year. Additionally, employers may offer wellness days off or bonuses for employees who complete preventive visits (in compliance with EEOC wellness program regulations). All incentives must be structured in compliance with privacy and anti-discrimination laws (no disclosure of personal health data to employers, etc.).

(c) Opt-Out Registry: The Program shall maintain a confidential registry of individuals who have opted out of the annual exam or certain screenings, solely for the purpose of respecting their wishes and not repeatedly prompting them. However, an individual may revoke their opt-out at any time and resume full participation, and the Program will periodically (no more than once a year) check if they have changed their mind.

(d) Personal Beliefs and Medical Freedom: Nothing in this Act shall be construed to force any individual to undergo any medical procedure or treatment. The Program offers services and strongly encourages them for public health benefit, but respects individual autonomy. For instance, if an individual declines a vaccine or screening due to personal or religious beliefs, that choice shall be documented and respected. The Program may attempt education and counseling about the benefits, but will not override patient consent.

(e) Provider Participation Mandate: Healthcare providers (hospitals, clinics, physicians, etc.) that participate in Medicare, Medicaid, or receive federal health funds are required to participate in the Program and provide services to enrollees under the terms of the Program (i.e., accept Program reimbursement as payment in full for covered services). Providers may opt out of the Program entirely only if they also opt out of all federal health programs and do not receive federal funds (similar to current Medicare opt-out rules for physicians), except in emergent situations where care must be given regardless. This provider mandate is to ensure a broad network and prevent gaps in access. The Secretary will establish an enrollment and certification process for providers in the Program, including agreement to Program rules and quality standards.

Section 11. Enforcement, Oversight, and General Provisions.
(a) Anti-Fraud and Abuse: All current penalties and statutes that apply to fraud, waste, and abuse in federal health programs (such as Medicare and Medicaid) are hereby extended to the Program. It shall be illegal to knowingly submit false claims to the Program, to offer or receive kickbacks for referrals of Program patients, or to engage in fraudulent enrollment or billing practices. The HHS Office of Inspector General (OIG) is empowered to monitor the Program for fraud and abuse, and additional funding is provided for Program integrity activities. Violators will be subject to civil monetary penalties, exclusion from the Program, and/or criminal prosecution under existing laws (e.g., False Claims Act).

(b) Non-Discrimination: The Program and any entity or individual providing services under the Program shall not discriminate against any enrollee on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected characteristic. All enrollees are entitled to equal access to benefits. Cultural and linguistic appropriate services should be ensured (e.g., providing interpretation services and materials in prevalent languages).

(c) Federal Preemption: This Act is intended to create a uniform national health program. State laws and regulations are preempted to the extent that they duplicate, conflict with, or impede the implementation of this Act. However, states may enact additional laws in furtherance of the goals of this Act (for example, public health measures or complementary programs) as long as they do not reduce any person’s rights or benefits under the Program. Any state attempts to provide separate primary health insurance for benefits covered by the Program to the same population would be superseded after full implementation.

(d) Annual Reports to Congress: The Secretary shall submit an annual report to Congress on the status of the Program, beginning one year after enactment. The report shall include data on enrollment (coverage attained), healthcare utilization (especially preventive services rates), health outcomes (trends in key health indicators), customer satisfaction, expenditures and cost trends, progress in meeting workforce targets, and any detected issues in implementation. The report shall also recommend any legislative changes needed or any adjustments being made administratively. Additionally, the Government Accountability Office (GAO) shall conduct an audit of the Program’s financial operations every 2 years and present the findings to Congress and the public.

(e) Independent Evaluation: By the end of the tenth year after enactment, the Institute of Medicine (National Academy of Medicine) or a similar independent expert entity shall complete a comprehensive evaluation of the Program, measuring its impact on population health, healthcare quality, cost-effectiveness, and any unintended consequences. This evaluation will inform Congress in making any refinements for the next decade.

(f) Severability: If any provision of this Act, or the application of such provision to any person or circumstance, is held to be unconstitutional or invalid, the remainder of this Act and the application of its other provisions to other persons or circumstances shall not be affected.

(g) Effective Dates: Except as otherwise specified, provisions of this Act take effect upon enactment. The coverage expansions and benefits shall take effect as delineated in the Phased Implementation Schedule (Section 9). The Secretary and relevant agencies are authorized to begin rulemaking and program development immediately to meet these timelines. By five years from enactment, all Americans should be receiving benefits from the Program.

Section 12. Short Title and Table of Contents (for Legislative Drafting Purposes).
(This section would normally list the Act’s short title and outline the contents for formal legislative drafting convention; in this summary it’s omitted for brevity.)

Conclusion: The Whole-Person Preventive Healthcare Act establishes a comprehensive framework to shift the United States toward a prevention-first health system. By phasing in universal coverage, strengthening community care, expanding the health workforce, and incentivizing innovation, this legislation aims to improve health outcomes while controlling costs. It is a transformative investment in America’s future. Policymakers are provided both the analysis of projected impacts and the legislative language to act upon this vision, setting the stage for a healthier, more secure nation for generations to come.