Dear Fellow Americans,
As your Invisible President, I speak to you not from a podium of personal glory or partisan banners, but from the shared heartbeat of our nation—the quiet frustrations that so many families feel when medical bills arrive unexpectedly, the daily struggles of working people who must delay needed care because the true price remains unknown until long after treatment, and the enduring hope that binds us as one people under a system that should heal bodies and ease minds rather than burden them with complexity and uncertainty. For too long, we have watched healthcare costs spiral beyond the reach of too many hardworking Americans, families bankrupted by serious illness despite their best efforts, administrative burdens devouring resources that should go toward healing rather than endless paperwork and fragmented billing, and inefficiencies that leave millions waiting for timely care while dedicated providers drown in red tape.
Today, I present to you the National Health Marketplace Network, a groundbreaking, distinctly American-made solution born from ingenuity, necessity, and a deep respect for the dignity of every citizen. This is not another government takeover of healthcare, nor is it an endless expansion of entitlements that would burden future generations with unsustainable debt. It is a practical, market-driven covenant that empowers every American with real choice, rewards personal responsibility, ensures a responsible floor of equity and protection against catastrophe, and unleashes genuine competition to drive down costs while steadily improving health outcomes for all.
At the heart of the National Health Marketplace Network lies a unified, secure, and user-friendly digital platform—a single nationwide app and web portal—where every licensed healthcare provider, from family physicians and community clinics to major hospitals, specialists, pharmacies, and telemedicine services, can voluntarily list their services and offerings in real time. Transparent pricing will appear alongside real-time availability, verified quality metrics drawn from patient outcomes and clinical data, independent ratings from those who have received care, and precise location details. This will allow any American to search, compare, and book care with the same ease and confidence with which they reserve a flight, summon a ride, or shop for any other important service in their daily lives.
Imagine, for instance, a working mother in Ohio needing an MRI for her child’s persistent headaches. Instead of facing surprise bills that could reach thousands of dollars, she opens the platform, sees clear, comparable prices from nearby providers—perhaps $800 at one outpatient center versus over $3,000 at a hospital facility for the same scan—and books the appointment for the same day, knowing exactly what her share will be after applying her Universal Health Credits. Or consider a small-business owner in rural Texas recovering from an injury who compares local physical therapy options, reads verified outcome data and patient experiences, and selects the provider that best balances quality, cost, and convenience. These are not distant hypotheticals; they represent the everyday relief this platform is engineered to deliver by shining light into one of the most opaque corners of American life.
The platform will launch on Day One of my administration by building directly upon existing federal authorities and resources. It will harness publicly available data from longstanding Medicare and Medicaid transparency initiatives, incorporate options from government-operated facilities such as those of the Department of Veterans Affairs and the Indian Health Service, and draw from providers already subject to federal price disclosure requirements. The Department of Health and Human Services, working in close coordination with the Centers for Medicare & Medicaid Services, will develop and expand this portal using current statutory frameworks. It will be publicized widely through established agency channels, with thoughtful incentives offered to early participants—including enhanced visibility for their practices, streamlined opportunities for federal contracting where appropriate, and formal recognition—to encourage rapid yet fully voluntary adoption across the country. We recognize that integrating thousands of providers, legacy electronic health record systems, varying state regulations, and strict privacy protections under HIPAA represents a significant technical undertaking. That is why the rollout will emphasize phased implementation, starting with willing participants and high-volume services, while investing in robust interoperability standards, offline capabilities, and dedicated technical support to ensure the platform evolves steadily and securely.
Guiding interactions on the platform will be an open-source artificial intelligence engine, developed through carefully structured public-private partnerships and governed by rigorous ethical standards, independent oversight, continuous auditing for bias or error, and transparent explainability requirements so that both patients and providers understand key recommendations. This AI will match patients to the most suitable providers based on individualized health profiles, cost considerations, quality indicators, current wait times, and geographic proximity. It will optimize scheduling by sending automated, personalized reminders and offering modest incentives to reduce no-shows, which currently waste valuable time and resources for everyone involved. It will fill otherwise idle capacity through carefully designed dynamic pricing that rewards off-peak usage without ever compromising access to emergency or urgent care. Most importantly, the AI will automate much of the burdensome billing and claims process—work that today consumes an enormous share of our nation’s healthcare spending on administration rather than actual care, with estimates placing administrative costs between 15 and 30 percent or more of total expenditures—and will flag opportunities for preventive services early enough to avert far more costly crises later. While no technology is flawless and real-world savings from such automation will build gradually as adoption scales, the direction is clear: reducing duplicative paperwork and errors can free hundreds of billions of dollars over time for better patient care.
Patient records within the platform will be secured through blockchain technology, ensuring that Americans truly own and control their own health data. Access will be granted only with explicit, granular consent for each visit or purpose, protected by cryptographic standards that make unauthorized alteration or breach exceptionally difficult. We acknowledge that blockchain, while promising for immutable audit trails and patient sovereignty, must be implemented thoughtfully to address real-world challenges of speed, cost, and seamless interoperability with existing systems; therefore, the architecture will combine on-chain verification with secure off-chain storage and full compliance with HIPAA and other privacy laws. At the same time, practical offline access options and targeted device subsidies will guarantee that no American—whether in remote rural communities or bustling urban neighborhoods, whether highly comfortable with technology or not—is left behind. Inclusivity is not an afterthought; it is a foundational requirement.
To make the system both equitable and fiscally sustainable, we will introduce Universal Health Credits, deposited each year into every citizen’s secure digital wallet on the platform. These credits will be scaled thoughtfully according to income, age, and documented health risks, creating a responsible safety net that provides a robust floor of coverage. For lower-income families, the credits can fully cover essential preventive services and protection against catastrophic medical events, often with little or no out-of-pocket cost for those services. For middle- and higher-income Americans, the credits will offer meaningful targeted support that tapers gradually and predictably, preserving strong incentives for personal responsibility and efficient use of resources. Preventive care and major medical events will receive broad coverage, while elective or non-essential procedures will include reasonable, income-sensitive copayments to encourage thoughtful decision-making without erecting barriers to genuinely necessary treatment.
Individuals will retain full freedom of choice: they may apply their credits toward any qualified provider listed on the platform, contribute them to high-deductible health plans, use them for direct-pay arrangements outside the network, or even direct them toward approved wellness investments such as evidence-based fitness or nutrition programs. Bonus credits will be available for those who voluntarily participate in verifiable healthy behaviors—tracked optionally through wearables or other secure means—further rewarding prevention and personal agency.
Funding for these Universal Health Credits will begin with the reallocation of demonstrable inefficiencies within existing federal healthcare programs, including Medicare and Medicaid, where administrative overhead and fragmented processes have long diverted resources from patients. These savings will be supplemented, as needed, by modest and narrowly targeted revenue measures such as the Micro-Fee Prosperity Plan applied only to certain non-essential luxury goods—items like high-end jewelry, premium vehicles beyond standard models, yachts, and private aviation services—while fully exempting food, clothing, medicine, housing essentials, and other basic necessities of daily life. This approach maintains fiscal discipline, avoids broad-based tax increases on working families, and ensures the program rests on a foundation of responsibility rather than perpetual deficit spending. We do not claim perfection or instant transformation; healthcare’s unique characteristics—such as emergencies, asymmetric information, and third-party payment—mean that market forces must be guided carefully. Success will be measured transparently through concrete metrics: reductions in per capita costs, fewer medical bankruptcies, shorter wait times for routine care, higher rates of preventive service utilization, and improved population health outcomes tracked independently over time.
The National Health Marketplace Network is designed for long-term sustainability because it harnesses proven market dynamics and the power of modern technology instead of relying on top-down mandates or open-ended government spending. By injecting real, transparent competition into an industry long shielded by opacity, providers will be strongly incentivized to offer lower prices, higher quality, and better service in order to attract patients—much as competition has transformed consumer experiences in transportation, retail, and technology, and as targeted transparency has already begun to influence pricing in areas like advanced imaging. Administrative savings alone, achieved through AI-driven automation of claims, scheduling, and coordination, are projected to generate substantial relief by reducing the paperwork, duplicative processes, and billing complexities that currently inflate costs without improving care. Dynamic pricing and better capacity utilization will further reduce waste from underused facilities and unnecessary procedures.
As voluntary participation grows—demonstrated first in pilot regions and early-adopting states through measurable successes such as lower average costs, faster access to care, fewer surprise bills, and improved health metrics—powerful network effects will take hold. Patients will increasingly demand transparency and convenience. Providers will join the platform to remain competitive and visible to the public they serve. The system will evolve organically, improving through real-world feedback and innovation, eventually becoming the trusted national standard for accessing affordable, high-quality care. Should major providers initially hesitate, particularly in consolidated markets, the platform’s demonstrated value in early adopters—combined with strong incentives and public demand—will build critical mass over time.
To safeguard integrity and maintain public trust, a bipartisan oversight board—balanced across party lines and including independent experts—will conduct regular audits, supported by advanced AI tools for anomaly detection and fraud prevention. The board will also set evolving quality and interoperability standards and administer competitive innovation grants to reward breakthroughs that further reduce costs or enhance outcomes.
Fellow Americans, the National Health Marketplace Network is far more than a policy initiative. It is a covenant renewed between the people and their government—a solemn promise that we can heal the divisions that have too often paralyzed progress by focusing on tangible, measurable relief in the lives of everyday citizens while building a stronger, fairer, and more resilient healthcare system for generations to come. It honors core conservative principles of individual choice, market competition, innovation, and personal responsibility. It advances progressive commitments to equity, prevention, protection from financial ruin, and universal access to basic security. And it offers moderates and independents a pragmatic, technology-enabled path forward that functions with the reliability and simplicity of the everyday tools we already trust in other aspects of modern life.
This is not about faces or parties or ideological victories. It is about fixing what is broken and putting the American people first—restoring affordability, efficiency, accessibility, and human dignity to healthcare. No reform is without challenges or trade-offs, yet by grounding this effort in voluntary participation, transparent metrics, iterative improvement, and unwavering fidelity to American values of liberty, ingenuity, and mutual respect, we position ourselves to overcome them together. Together, through this shared endeavor, we will prove once again that when Americans set aside division and unite around practical, principled solutions, no national challenge lies beyond our collective reach.
God bless you, and God bless the United States of America.