Trump's HSA Plan vs. PHIERS
Why One Works for the Wealthy, One Works for Everyone
✅ What Trump's HSA Plan Does (Good News)
- Doubled HSA contribution limits ($8,600 individual, $17,100 family)
- Made Bronze and Catastrophic marketplace plans HSA-eligible
- Made telehealth permanently compatible with HSA eligibility
- Made Direct Primary Care ($150-$300/month) HSA-eligible
Result: Wealthy people can save $4,000-$8,000+ annually in taxes while funding healthcare.
❌ The Problem HSAs Don't Solve
- Requires people to HAVE money saved before accessing healthcare
- Abandons 22 million Americans currently on ACA subsidies
- Republican counter-proposal offers only $1,000-$1,500 per person (vs. real healthcare costs of $8,000+)
- Doesn't help poor people access healthcare—only helps wealthy people save taxes
- Bronze plans still require high deductibles ($1,700+ individual) before coverage kicks in
- No job creation. No economic stimulus. Just personal tax benefits.
Translation: HSAs are a luxury product for people who already have income.
🧩 Enter PHIERS: Healthcare That Works For Everyone
PHIERS Balance Symbol
PHIERS: Balancing Healthcare Access with Financial Sustainability
For Wealthy People (Who Could Benefit From HSAs):
You STILL benefit from PHIERS, even more than HSAs alone:
- Enroll in PHIERS telehealth at $600/year (vs. $1,700+ Bronze deductible)
- Save $4,000-$8,000 that you CAN invest tax-free in your HSA
- Your HSA funds cover REAL emergencies (hospitalization, surgery, complex procedures)
- Get comprehensive healthcare + maximize tax-advantaged savings
You get BOTH: immediate healthcare access AND massive retirement savings.
For Middle & Lower-Income Americans (Whom HSAs Don't Help):
PHIERS offers what Trump's plan never will:
- $600/year comprehensive telehealth (no savings requirement)
- No income restrictions or complex eligibility rules
- Real jobs created from $2.73T in government savings
- Monthly assistance checks from cascade savings
- Healthcare for 234M Americans, not just the wealthy
PHIERS reaches everyone HSAs never will.
📊 The Mathematics
Trump's HSA Plan (Best Case - Wealthy Family)
- Contribute $17,100 tax-free to HSA (requires having $17,100 to save)
- Enroll in Bronze plan with $1,700+ deductible
- Use HSA funds to cover deductible + costs before coverage begins
Result: Works ONLY if you already have money
PHIERS (Works for Everyone)
- Pay $600/year for comprehensive telehealth (everyone)
- Government saves $7,400 per person from traditional insurance replacement
- Those savings fund: universal coverage, AI-resistant jobs, monthly UBI, stimulus
Result: Works whether you have savings or not
PHIERS Operating System — Protection Against Corporate Extraction
🎯 The Real Story
Trump's HSA plan: Tax code optimization for the wealthy.
PHIERS: System transformation for everyone.
Trump made HSAs better. PHIERS makes healthcare actually work.
The two aren't competing. The wealthy can use HSAs AND participate in PHIERS. But only PHIERS solves the healthcare crisis for 22M+ people losing subsidies Dec 31.
⚡ What This Means For You
If You Can Afford an HSA
You're already winning financially. Now help everyone else win too.