Picture our healthcare system as an old car on the side of the road. The hood is up. Smoke is pouring out. Families are stuck inside, watching the bills pile up. Politicians stand around the car arguing and waving reports in the air, but no one who has actually fixed engines is touching the tools. Meanwhile, you keep paying a huge insurance premium every month and still worry that one big illness could wipe you out.
It does not have to be this way. I have spent more than 25 years in the trenches of the health insurance industry, helping more than twenty thousand people fight through claims, denials, and scary medical bills. I have seen how cruel the system can be—but also how fixable it is.
We can create a health plan with no monthly premium for major medical care, without raising your tax rates, while protecting your freedom to choose your doctors. Here is how that plan, which I call AmeriCare, would work for you and your family:
1. Use the Money We Already Spend
Every year, America spends over $5 trillion on healthcare—more than any other country by over 50%. You feel it in your paycheck; employers feel it in rising costs. Right now, that money is scattered across premiums, high deductibles, hidden tax breaks, and confusing subsidies.
AmeriCare pulls those dollars together into one clear system. Instead of sending thousands to an insurance company as a premium, that money funds a basic national plan. We don’t need to raise tax rates; we need to stop wasting money and start organizing it around you, not corporate profit.
To see exactly how we fund this without asking you for another dime in taxes, look at how the math adds up:
Finding the Trillions
| Source | Estimated Annual Savings/Revenue |
| Phase Out Employer Tax Exclusion | $400 Billion |
| Administrative Efficiency | $400 Billion |
| National Drug/Service Negotiation | $250 Billion |
| Consolidating Medicaid & ACA Subsidies | $700 Billion |
| Digital Payments & AI Fraud Reduction | $150–200 Billion |
| Smart Copays & Reduced Overuse | $100 Billion |
| TOTAL RECAPTURED | ~$2.0 Trillion/year |
2. End Monthly Premiums for Major Medical Care
Under AmeriCare, your monthly premium for major medical coverage drops to zero. This base plan covers the big things: doctor visits, emergency care, hospital stays, mental health, and prescription drugs. If you want extra perks or luxury options, you can still buy a private plan on top. But the safety net is always there. You would no longer have to choose between paying your premium and paying your rent.
3. Keep Your Doctor and Your Freedom
Most Americans do not want a one-size-fits-all government plan. AmeriCare is a hybrid system. If you have employer coverage you like, you can keep it. If you want a private plan for extras, you can still buy one. The AmeriCare base plan works underneath, making sure no one falls through the cracks. It respects both Republican values of choice and Democratic values of universal coverage.
4. Cut Waste, Red Tape, and Fraud
Huge amounts of healthcare money never reach a doctor or patient; they get lost in bloated paperwork and overpriced drugs. AmeriCare attacks this head-on with one clear set of rules, digital payments, and national bargaining power to push drug prices down. By using the efficiencies listed in the table, we fund the “no-premium” model without hitting your paycheck.
5. Simple, Fair Costs When You Need Care
Today, you might pay $2,000 a month for a family plan and still face massive deductibles. Under AmeriCare, the rules are simple:
- Doctor visits: $20 flat copay.
- Generic drugs: $0.
- Brand name drugs: $30.
- Emergency Room: $150 copay.
- Hospital stays: $500 annual cap.
You move from fear and guessing to clear, predictable numbers.
Wealth Equality with Choice: A New Deal Between Billionaires and the People
To sustain this system without raising taxes on the working class, we must address a stark reality: about one thousand people in our country now hold more wealth than tens of millions of working families combined. This is not an attack on success; it is an invitation to a New Deal between our billionaires and the American people.
Our billionaires already have incredible power to shape markets. With a clear, fair Non-Profit Investment & Security Contribution, they can help ensure no child goes hungry and every family can see a doctor.
Under this plan, billionaires would direct a small, set share of their wealth each year into approved, audited non-profit and public trust funds. The key is choice and control. Instead of sending more money into a government system they may not trust, they see exactly where their contribution goes. They can choose from a menu of approved vehicles like:
- Children’s hospitals and community clinics.
- AmeriCare health funds.
- Scholarship programs and addiction treatment centers.
- Housing and food security initiatives.
Their required share doesn’t disappear into a Washington black hole. It goes to real institutions that carry their name and reflect their values. Imagine a billionaire who loves science putting their share into a network of free health clinics that carry their family name for generations.
This program also keeps our wealth creators at home. When we punish success with unpredictable taxes, people move their money to tax havens. But when we say, “We honor what you built, and we ask that a small, predictable share go directly to lifting up your fellow Americans in ways you choose,” we give them a reason to stay and feel proud.
A mandatory Non-Profit Investment & Security Contribution says to everyday Americans: You matter. To billionaires, it says: Your legacy can live forever in the lives you save. No portrait in a mansion can match the honor of a hospital wing or a nationwide health program that exists because one person chose to stand with the people.
Putting the Right People Under the Hood
When your car breaks down, you don’t want a committee of people who have never held a wrench; you want a mechanic. Our healthcare system is that broken car. For too long, people who have never worked inside this system have been the ones “fixing” it.
I have lived this system from the inside—fighting with claims departments and helping families cry over bills bigger than their yearly income. Those years taught me that our current system is cruel, but it is also fixable.
AmeriCare is about common sense: no monthly premiums, no tax hikes for the working class, real protection from medical debt, and a partnership with our nation’s most successful individuals to fund a brighter future.
You hold the keys to this change. Challenge every politician with one question: ‘Will you eliminate monthly premiums without a tax hike?’ If the answer is anything but a ‘yes,’ keep pushing—because the blueprint is ready, the math adds up, and with your support, I am ready to step under the hood and finally fix this system.
Written By Dustin Dunbar
Dustin Dunbar, an Independent, is running for U.S. presidency. As founder/CEO of FreeHealthInsuranceHelp.com (since 2009) and division manager for HealthMarkets before that, he’s assisted tens of thousands of Americans. He founded the wellness non-profit AlcoholFreeRevolution.org, is a real estate entrepreneur, was an appraiser for First Alliance Mortgage, and modeled for Ford Model Agency. He holds a PhD in psychology from Saybrook University. His books include You’re Doing Great! And Other Lies Alcohol Told Me, Her Holiness, and Make America Whole Again: A Blueprint for Leading the AI Age, Empowering Global Security, and Reuniting the Nation. Learn more at Dustin-Dunbar.com.
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