Congress Already Knows These Numbers.
They're Counting on You Never Seeing Them.
3.5% = Guaranteed Change. The math proves it. One person switching funds 15+ more. That's why they're terrified.
PHIERS is a citizen coalition using collective leverage to force Congress to fix healthcare — or replace them.
Join the 3.5%This isn't a petition. This is the weapon protests have been missing.
⚡ TL;DR — The Math in 30 Seconds
- 💊 Insurance costs $10,000–$25,000/year. PHIERS telehealth costs $600.
- 📈 1 person who switches funds 12–19 more through the cascade math.
- 🔢 3.5% = 11.6 million Americans. Every campaign that hit that threshold has won.
- 🏛️ 234M covered. $2.73 trillion in annual savings. Zero new legislation required.
- 🗳️ Congress acts when re-election math changes. PHIERS changes the math.
Scroll down to see exactly how each number is derived — or start with the 71-second overview.
The Math Congress Doesn't Want You to See
1 minute 11 seconds. That's all it takes to understand why they're scared.
The Weapon: One Person Switching Funds 12–19 More
The Crisis Is Real — and the Math Gives Us Leverage
22 million Americans are without coverage.
Congress failed.
But the math gives us a pressure point they can't escape.
Right now:
- 22 million lost coverage after the subsidy cliff
- Premiums have doubled and tripled — some plans now cost $10,000–$12,000/year
- People are choosing between rent and medicine
- Congress stalls while deadlines close in
This is the last moment where leverage still exists.
The PHIERS Solution
PHIERS converts waste in the insurance system into coverage people actually use.
Replace a $10,000/year insurance product with a $600/year telehealth-first plan, and the savings fund:
- universal access
- millions of healthcare jobs
- massive system-wide savings
All using existing law. No new taxes. No new bureaucracy. Just math.
One Conversion Funds 12–19 More
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
The Endpoint: Universal Coverage for 234M Americans
Iteration by iteration, the savings multiply:
Iterations
Americans Covered
Annual Savings
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.
Why We Start With Medicaid: Maximum Leverage
Most reforms fail because they try to fix everything at once. PHIERS starts where:
- the savings are largest
- the vulnerability is highest
- the proof is undeniable
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.
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.
Make Congress Answer