Bill Proposals to United States Congress for Health Care🩵 and Affordable Homes🏠
CPI Impact of Health Care Act and Housing Care Act
Impacts of Health Care Act (HumanCare) and Housing Care Act (American Dream Lottery) on Consumers and CPI
Passing these acts could reduce costs in healthcare (8.273% CPI weight) and housing (44.201% weight), lowering inflation and boosting prosperity via AI-driven reforms.
Consumer Benefits
- Healthcare (HumanCare🩵): $0 out-of-pocket care for 320M citizens via HHS app, saving families $20K/year. Eliminates 27.1M uninsured, cuts 200K medical bankruptcies, reduces overdoses by 20-30%, hospitalizations by 30%, adds 2-5 years life expectancy for low-income. Funded by $6.24T (existing budgets + FICA hike + sin taxes), creating $7.4 trillion surplus over 10 years.
- Housing (American Dream Lottery🏡): Grants 163M taxpayers land lots ($5K-$140K value) + $0-down 3% loans up to $250K. Builds 16M homes if 10% participate, aiding 22.4M cost-burdened renters, creating 12M jobs, $6-10T stimulus. Hero Villages prioritize essential workers.
Net: Frees >40% of budgets, adding $100-200B annual Consumer spending power.
CPI Impacts
- Healthcare: Eliminates out-of-pocket costs, saves $140B fraud/waste, potentially drops medical index by 3-5%, reducing CPI by 0.2-0.5%.
- Housing: Adds supply, cuts rents/OER by 5-10%, reducing CPI by 1-2%.
Overall: 1-3% annual CPI drop, stabilizing economy without inflationary risks.
The U.S. Constitution and the American Dream
Prosperity, Mobility, Hard Work
- The U.S. Constitution doesn't guarantee success, but provides a "level playing field" by protecting rights and opportunities.
- The U.S .Constitution supports the American Dream, achieving prosperity and mobility through hard work, by protecting liberties, ensuring equal opportunity, and enabling policies via clauses like Commerce, General Welfare, and Equal Protection.
- It doesn't directly mandate healthcare or affordable housing, but provides a framework for laws addressing these to reduce barriers to success.
Healthcare and the U.S. Constitution
- The Constitution indirectly enables healthcare access through the Commerce Clause (upholding laws like the ACA for broader coverage) and Fourteenth Amendment (combating disparities via equal protection).
- This promotes health equity, essential for economic stability, though access remains variable and legislatively driven, but leaving millions of uninsured American consumers.
- HumanCare🩵 closes the unisured gap, promotes health equity, and puts about $1,667 back in working family consumers monthly budgets.
Affordable Housing and the U.S. Constitution
- Property rights under the Fifth Amendment and anti-discrimination via the Fourteenth support housing stability and wealth-building.
- Federal powers enable initiatives like the Fair Housing Act and downpayment assistance, but zoning barriers persist, requiring reforms for greater affordability and opportunity.
- The American Dream Lottery🏠 unlocks federal land for every hard working taxpayer, with the opportunity to build affordable homes, sparking $6 - 10 trillion in commerce.
Transform Americas Future, Reignite Our American Dream
Health
Health
Health
- Welcome to HumanCare🩵!
- As an American dad fighting for our children's future, I refuse to let the American Dream fade.
- Our proposals, the Health Care Act and Housing Care Act - use Responsible AI to fix our broken systems, save trillions, and create prosperity for all.
- VIP access to the U.S. free-market health care framework.
- Why Now?
- In 2025, the heartbreak gripping America demands immediate, transformative action.
- Imagine the shattering grief of families torn apart by nearly 81,000 overdose deaths, a painful 27% drop from 2023's devastating toll, yet still an unimaginable tragedy claiming far too many lives.
Homes
Health
Health
- We can fix housing challenges with leadership from Congress.
- While 27.1 million fellow citizens, 8% of our population, endure the constant fear and vulnerability of being uninsured, unable to seek care without risking ruin.
- This anguish is deepened by a staggering 7.1 million unit shortage in affordable housing, leaving countless families in unstable, overcrowded conditions or on the brink of homelessness.
- Compounding it all, household debt exceeding $18.39 trillion, trapping hardworking Americans in cycles of stress, sacrifice, and despair that erode dreams and futures.
- American Dream Lottery🏠 unlocks federal land and hope, for every taxpayer.
"Health Insurance is a scam and is failing everyone..." - Representative Marjorie Taylor Greene (R-GA) "Our job is to fix a broken system and guarantee health care to all." - Senator Bernie Sanders (I-VT)
"Under the America First Healthcare Plan, we will ensure the highest standard of care anywhere in the world, cutting-edge treatments, state-of-the-art medicine, groundbreaking cures, and true health security for you and your loved ones."
President Donald J. Trump, September 24, 2020
False Claims Act (FCA) Complaint Against Health Insurance
Three National Health Insurance Companies and Three Brokers - Complaint Alleging Unlawful Kickbacks and Discrimination Against Disabled Americans
"The United States filed a complaint today under the False Claims Act (FCA) against three of the nation’s largest health insurance companies — Aetna Inc. and affiliates, Elevance Health Inc. (formerly known as Anthem), and Humana Inc. — and three large insurance broker organizations — eHealth, Inc. and an affiliate, GoHealth, Inc., and SelectQuote Inc. The United States alleges that from 2016 through at least 2021, the defendant insurers paid hundreds of millions of dollars in illegal kickbacks to the defendant brokers in exchange for enrollments into the insurers’ Medicare Advantage plans. " Thursday, May 1, 2025. https://www.justice.gov/opa/pr/united-states-files-false-claims-act-complaint-against-three-national-health-insurance
What governments can do, HHS
- Invest in evidence-based practices, plans, and partnerships that ensure the health, safety, and well-being of health workers.
- Address punitive policies that deter health workers from seeking mental health and substance use care. Increase access to quality, confidential mental health and substance use care for all health workers.
- Reduce administrative burdens contributing to health worker burnout.
- Recruit, expand, and retain a diverse health care and public health workforce to meet current and future health challenges.
- Commit to a coordinated, whole-of-government approach to adequately prepare public health, health care systems, and health workers for future public health emergencies.
https://www.hhs.gov/surgeongeneral/reports-and-publications/health-worker-burnout/index.html
BLS, Chart 1. Annual Expenditure Shares by Major Components. Housing #1
- Housing (32.9 percent)
- Transportation (17.0 percent)
- Food (12.9 percent)
- Personal insurance and pensions (12.4 percent)
- Healthcare (8.0 percent)
- Entertainment (4.7 percent).
- Each of the remaining, less than 4.0 percent of total expenditures. (Latest 2023)
- 53.3% expenditures for Housing, Healthcare, and Insurance
- 66.2% expenditures for Housing, Healthcare, Food, Insurance
For All Your Work Hard, Healthy Living Made Easy
Transform Your Families Health, Congress adopts humancare.app idea
America needs less bureaucracy and a platform that empowers families free-market health, cuts administrative waste/fraud, and restores affordable housing opportunity. HumanCare🩵 delivers a no additional cost healthcare option at the point of use and the American Dream Lottery🏠 unlocks federal land for every taxpayer. Join the movement to ask Congress for a fairer, healthier nation.
🚀 Our Vision: Grok AI calls it "capitalism with a boost", government kickstarts innovation, private sector delivers, and AI ensures fairness. Explore how we can eliminate $140 billion in fraud, add 2-5 years to life expectancy, and spark $6-10 trillion in growth while adding millions of affordable homes and provides health care to all Americans.
Delivering Affordable Housing & Renewing the American Dream
HOUSING CARE ACT OF 2025
Delivering Affordable Housing and Renewing the American Dream
The Housing Care Act of 2025 is a national initiative to make homeownership achievable again for working Americans. By responsibly utilizing select federally-managed land and providing affordable home construction financing, this Act helps families build long-term stability and strengthens communities across the country.
The Act prioritizes those who serve our communities and our country. Veterans, active-duty service members, and essential workers will receive priority access to new Hero Village neighborhoods located near bases, hospitals, schools, emergency response hubs, and municipal service centers.
This legislation is designed to expand housing supply, reduce financial barriers to homeownership, and support strong, stable communities where families can live, work, and thrive.
Key benefits:
• Residential lots available to eligible taxpayers
• Option to take the land or receive its fair market cash value
• 0% down, 3% fixed-rate HUD construction loans up to $250,000
• Priority residential communities for service populations
• Safeguards to prevent exploitation and speculation
The Housing Care Act is a practical, bipartisan approach to increasing affordable housing and renewing
access to the American Dream.
Congressional Summary: Housing Care Act of 2025 - Amendment to S.2651 (ROAD to Housing Act of 2025)
Suggested Sponsor: Sen. Tim Scott Committee of Referral: House Financial Services (upon receipt of S.2651)
Type:Amendment adding Title IX - Federal Land Utilization for Affordable Housing
Purpose
Establishes a federal land allocation and housing finance program to expand the national supply of affordable housing, prioritize workforce and veteran access, and coordinate with zoning and modular housing reforms in S.2651.
Key Provisions
1. American Dream Land Allocation Program (Sec. 904)
- Allocates residential lots drawn from eligible portions of the 640M acres of federally controlled land.
- Lots assigned by state/territorial taxpayer residence.
- Sites must be consistent with zoning modernization principles in Sec. 203 of S.2651.
2. Lot Election and Cash-Value Option (Sec. 905)
- Recipients may select either:
- A residential lot; or
- An appraised cash equivalent.
- If no response within 30 days, recipient receives the cash equivalent.
3. HUD-Backed Construction Loans (Sec. 906)
- For recipients who choose a lot.
- Loan terms: 0% down, 3% interest, up to $250,000.
- Integrates with mall-dollar mortgage pilot (Sec. 402) and manufactured housing modernization (Sec. 303).
4. Hero Villages (Sec. 907)
- Priority residential development zones near employment and service centers.
- Priority access for:
- Veterans
- Active-duty servicemembers
- Essential workers
- Five-year minimum ownership requirement.
- Must utilize pre-approved designs (Sec. 210) and transit-oriented principles (Sec. 211).
5. Environmental and Zoning Compliance (Sec. 908)
- All projects subject to federal, state, and local environmental review, including Sec. 208 of S.2651.
6. Oversight and Reporting (Sec. 909)
- HUD administers the program, maintains fraud prevention protocols, and submits annual reports to Congress.
7. Conforming Amendments (Sec. 912)
- Adds Title IX to the S.2651 table of contents.
- Adds new subsections to Sec. 203 and Sec. 302 supporting integration with Title IX.
8. Authorization of Appropriations (Sec. 913)
- Authorizes appropriations for FY 2026–2030.
Expected Impact
- Increased national supply of attainable and workforce housing.
- Stronger local and regional housing markets.
- Expanded homeownership opportunities for veterans, essential workers, and working families.
- Better alignment between workforce geography and available housing supply.
Housing Care Amendment (S.2651)
America doesn’t have a homebuilding problem; it has land, financing, and policy bottlenecks. The Housing Care Amendment to the ROAD to Housing Act of 2025 (S.2651) tackles all three with a transformative, fiscally responsible approach.
✔️ Land & Equity Allocation: Every 2023 taxpayer receives a 3,500 sq. ft. federal lot valued at $100,000. A mandatory 50% land-value tax ($50,000) is paid back to Treasury over five years for debt reduction; the remaining $50,000 becomes your built-in equity - transferable if you don't build.
✔️ Financing: Leverage that equity for a 0% down, 3% fixed HUD loan up to $250,000 to construct a primary residence, with 20% collateral reducing defaults and strengthening financial stability.
✔️ Economic Surge: Sparks 12-15 million high-wage jobs in construction and manufacturing, $4 trillion in direct building activity, and a $6–10 trillion GDP lift through multipliers, while generating $2–8 trillion in Treasury revenue over five years without raising taxes.
This pro-builder, pro-factory plan integrates modular/offsite methods for speed and scale, turning idle federal land into a national wealth engine. Pair it with the U.S. Fort Knox Gold Stablecoin for even greater fiscal modernization.
Contact Us at HumanCare🩵™
HumanCare🩵™ Healthcare for All & Affordable Homes🏠
HumanCare, LLC
Phoenix Metropolitan Area, Arizona, United States
Ken Mushet, MBA/TM (Technology Management)
VP of AI Innovation, President, Founder
HumanCare, LLC
Arizona
D-U-N-S: 144873763
NAICS: 541511, SIC: 7371
