The Crisis: Congress Failed Dec 31 & Negative Cascade
You're not crazy. This is a preventable disaster with a mechanical fix.
The Crisis Is Real: 22 Million Americans Lost Coverage Dec 31
â° What Just Happened
Congress let healthcare subsidies expire on December 31, 2025 (when Congress let subsidies expire). Twenty-two million Americans lost coverage. Premiums are spiking. The system is destabilizing. Congress had solutions on the table, but rejected both.
We have a proven way to fix this—if 3.5% of voters demand action NOW.
The Moment (2:22) — Why Congress Created This Crisis
⌠The Six Simultaneous Crises
1. 22 Million Lose Coverage Dec 31
Tax credit cliff. Premiums double or triple. Individuals forced into impossible choices. Congress rejected both healthcare plans Dec 11. 22 million Americans without coverage.
2. AI Eliminates 50M+ Jobs
Automation here now. Jobs disappearing faster than retraining. No safety net. No healthcare for displaced individuals.
3. Insurance Skyrockets = Cascade of Failure
NEGATIVE CASCADE: Higher premiums → individuals drop coverage → healthcare system destabilizes → businesses lose productivity → supply chains break → economy falters → more job losses → more uninsured → system collapses faster.
4. Housing Affordability Crisis
Rising costs force families to choose between rent and healthcare. Homelessness accelerates. Economic security disappears.
5. Cost of Living Unsustainable
Inflation + no wage growth = impossible choices for ordinary Americans. Food, utilities, transportation - all consuming survival budgets.
6. Destructive Executive Orders + Wars Draining Resources
Environmental, AI, and policy orders harming the 99% without Congressional consent. Trillions spent on military conflicts while Americans can't afford healthcare or housing. Priorities are backwards.
ðŸ›ï¸ Trump's HSA Plan vs PHIERS
The Administration's HSA Plan Announcement — January 2026
We Solve What He Says He Wants to Solve
Trump says he wants to solve healthcare, jobs, and economy. PHIERS actually delivers all three — with math, not promises.
📄 Read Our Complete Response to Trump's HSA Plan →
See how PHIERS delivers what HSAs promise — but actually works for 234M Americans
âš ï¸ Why This Moment Matters: The Leverage Window
Healthcare subsidies expired. 22M Americans lost coverage. Crisis begins.
Government shutdown deadline. Congress must act. Maximum leverage window.
If we reach 3.5% organized (11.6M signatures), cascade begins. Telehealth authorization forced.
100M+ members = Independence Day from corporate control. Universal coverage becomes inevitable.
â° The 90-day sprint starts NOW
After April 30, we reach 100 million members — unstoppable critical mass. By July 4th, we reclaim independence from corporate control.
But here's what they don't want you to know: we have the solution, and it's unstoppable.
Once 3.5% of Americans are organized around telehealth, the cascade becomes inevitable. Universal coverage in 8-13 months. Not because Congress grants it. Because the math forces it.
📊 The Math Nobody's Talking About
$2.73 Trillion in Annual Savings — Click to see how it works
Where the $2.73T Comes From
But the $2.73T comes from EVERYWHERE:
- CMS members switching: $888B freed
- ACA members: Additional cascade
- Uninsured members: New market
- Private insurance competition: Drives costs down
✅ PHIERS STOPS The Negative Cascade & Creates POSITIVE Cascade
If enough individuals sign the petition and build the 3.5% cooperative movement.
⌠NEGATIVE CASCADE (Current Path)
What happens if we do nothing:
- Higher premiums → people drop coverage
- Healthcare system destabilizes
- Businesses lose productivity
- Supply chains break
- Economy falters
- More job losses
- More uninsured
- System collapses faster
✅ POSITIVE CASCADE (PHIERS Path)
What happens when we organize:
- Universal telemedicine ($600/year for everyone)
- 8-14 million AI-resistant jobs created
- Monthly assistance checks from $2.73T freed
- Housing affordability improves
- $7,900+ per person savings annually
- 100M+ organized = Congress forced to act
- Destructive policies reversed
- Wars end, resources redirected home
Congress forced to choose: adopt PHIERS or face primary challenges and pressure from millions of organized constituents demanding their government work for them.
Ready to See the Solution?
The crisis is real. But so is the fix. Here's how we stop the negative cascade.