What Is a LifetimeHSA?
The LifetimeHSA is a universal, personal health savings system that gives every American lifelong health coverage, starting at birth. Instead of pouring billions into insurance companies, the government helps each child meet a monthly savings target while families contribute what they can. Even diverting a fraction of existing insurance subsidies could fund this system many times over.
Money in a LifetimeHSA is safely invested and grows over time, with some individual control, creating a personal reserve that pays directly for medical care at transparent, fair prices. Once money enters a LifetimeHSA, it can only be used for healthcare—never for government spending, never for non-medical purchases, and never to enrich insurance middlemen.
This model ensures healthcare for all, while rewarding people who work, save, and invest in their future. When someone passes away, their remaining balance strengthens the health accounts of their children and grandchildren or supports the national Global Solidarity Fund. Over generations, families build real health wealth, rural hospitals receive reliable payments, and the profits stay where they belong: with the people, not the insurance industry.
How the LifetimeHSA System Works
1. Universal accounts from birth
- Every child receives a LifetimeHSA linked to their Social Security number.
- The system sets a monthly savings target. Families contribute what they can.
- The government fills the gap up to that target, using money currently spent on insurance subsidies.
2. Invested, not wasted
- Funds are invested in simple, diversified, regulated assets—not speculative bets.
- Balances grow over time, building a personal health reserve for each person's entire life.
- Accounts follow the person, not their employer or insurance company.
3. Direct pay, transparent prices
- Hospitals and clinics post fair, transparent prices for their services.
- Patients pay directly from their LifetimeHSA. No mysterious denials, no surprise "adjustments."
- Rural and small hospitals get reliable payments instead of chasing insurers to stay alive.
4. Locked for healthcare only
- Once money enters a LifetimeHSA, it stays in the healthcare ecosystem forever.
- It can only fund medical care for the individual, their heirs, or the Global Solidarity Fund.
- The government cannot raid it—even during a declared emergency.
A Voluntary Safety Net for When Accounts Run Short
The Global Solidarity Fund is a national pool that helps cover healthcare costs for people whose LifetimeHSA balance isn't enough—especially in cases of serious illness, disability, or catastrophe.
- Funded by voluntary, tax-deductible contributions from individuals and families.
- For example, healthy participants might choose to donate 1% a month from their growing HSA balance.
- Every contribution is optional and rewarded with an additional tax deduction.
- The fund pays the gaps when someone's own account can't fully cover medically necessary care.
This is how we share risk fairly: no one is left behind, and no one is forced to enrich insurers just to afford basic treatment. We help each other directly.
Why LifetimeHSA Is Better Than the Current Insurance Model
Today's Insurance System
- Premiums rise, coverage shrinks, and fine print wins.
- Insurers profit from denials, delays, and confusion.
- Families pay for years and still face crushing bills when crisis hits.
- Rural hospitals shut down under unpaid or underpaid claims.
LifetimeHSA System
- Funds belong to people, not insurance companies.
- Balances grow across a lifetime and across generations.
- Payments go straight to hospitals at transparent, fair prices.
- Rural hospitals get steady funding instead of slow financial strangulation.
"There's no justifiable reason why, when people are struggling to pay medical costs, someone else is getting rich off those same bills."
LifetimeHSA aligns the system with basic fairness: profits and rewards flow to individuals, families, and communities—not to companies that stand between patients and care.
Tell Your Representatives You Support the LifetimeHSA Concept
This is just a concept unless elected officials hear about it—repeatedly, and from many different people. You have every right to demand a healthcare system that serves people first and stops treating sickness as a profit engine.
You can copy, edit, and send the message on the right to your U.S. Senators, Representative, and state officials. Many offices provide simple email forms on their websites.
Tip: search for "Who represents me" along with your state, or use your state legislature's and Congress's official websites to find contact pages.