HomeOverviewCrisis Simple Math5D Solutions LeverageQuick Start Take ActionDonate FAQAboutMedia
PHIERS.org The Simple Math

The Math Congress
Doesn't Want You to Know.

$10,000 per person. $600 per person. The same care. Congress has the authority to authorize the difference tomorrow. They haven't had to — until now.


The Core Comparison

$10,000 vs $600.

Replace a $10,000/year insurance product with a $600/year telehealth-first plan, and the savings fund:

All using existing law. No new taxes. No new bureaucracy. Just math.


The Cascade

One Conversion Funds 12–19 More.

The Math: One conversion funds exponential coverage

The Exponential Foundation

Here's the part Congress doesn't want you to understand:

• One person switches from $10,000 insurance to $600 telehealth
• That saves $9,400
• That $9,400 funds 15 more people at $600 each
• Those 15 save $141,000 combined
• That funds 235 more

This is the cascade they fear.

And as premiums rise higher — $12,000, $15,000, $18,000 — the cascade accelerates.


The Mathematical Cascade

234 Million Covered.
9 Iterations.

Core Math: How $600 telehealth unlocks 234 million covered

The Endpoint: Universal Coverage for 234M Americans

Iteration by iteration, the savings multiply:

9
Iterations
234M
Americans Covered
$2.73T
Annual Savings
15x+
Growth Rate

This isn't theory. It's arithmetic.

The math doesn't stall. It doesn't negotiate. It doesn't care about lobbyists.
It just keeps going — until everyone is covered.


Maximum Leverage

Why We Start With Medicaid.

Most reforms fail because they try to fix everything at once. PHIERS starts where:

Medicaid costs $8,000 per person. Telehealth costs $600. That's $7,400 in savings per conversion — enough to fund 12 more.

Medicaid is the pressure point. Once it converts, the rest of the system follows — ACA, private insurance, and the uninsured.

Not because Congress wants it. Because the math forces it.


3.5% Means Guaranteed Change - March 28, 2026

Click to enlarge

The 3.5% Rule

Why Congress Is Scared.

Harvard research shows that no movement with sustained participation above 3.5% has ever failed.

When 3.5% of Americans take coordinated action, governments either comply or collapse. Over 100 million are already affected by this crisis.

Congress knows the math. Now you do too.


They Fear the Math.
Be Part of It.

Sign the petition. Do the math. Force Congress to answer.