Healthy Americans Act

H.R. 6444, the Healthy Americans Act, proposes a significant overhaul of the U.S. healthcare system by requiring all adults to enroll themselves and their children in private health insurance plans. Under this bill, the federal government would establish standardized benefit packages and provide income-based subsidies to help individuals afford premiums, while most existing public programs—including Medicaid, SCHIP, and the Federal Employees Health Benefits program—would be phased out.

For the average citizen, this would mean a shift from employer-managed or government-run insurance to a system where individuals choose their own private plans through state-run "Health Help Agencies." Employers would no longer provide traditional insurance directly but would instead be required to make "shared responsibility payments" to help fund their employees' coverage. Additionally, the bill would create a national research board to compare the effectiveness of different medical treatments to ensure patients receive the most efficient care.