Agency-Decorrelated Coverage
Covers catastrophic conditions arising from genetics, occupational exposures, environmental contamination, and accidents—circumstances beyond individual choice.
A Legislative Proposal for Catastrophic Health Coverage
Catastrophic Health Coverage Act (CHCA)
No American should face financial ruin from health conditions beyond their control.
Federal coverage for catastrophic medical costs—genetic disorders, workplace injuries, environmental exposures, and accidents beyond individual control. Consolidates existing spending streams rather than creating new programs, projecting major fiscal improvement.
How CHCA Works
CHCA distinguishes between health conditions within individual control and those arising from circumstances beyond control—creating a principled framework that preserves personal responsibility while providing collective protection against uncontrollable misfortune.
Consolidates Existing Spending
Systematically consolidates fragmented catastrophic spending streams across Medicare, Medicaid, VA, workers' compensation, and tort system—no new spending programs.
Preserves Private Insurance
Private insurance continues for routine and lifestyle-related care. CHCA removes only catastrophic tail risk, improving insurer stability.
CHCA creates genuine benefits across the healthcare system.
Patients & Families
First-dollar coverage for conditions beyond your control. No deductibles. No copays. No medical bankruptcy.
Workers
Full protection for occupational injuries and illnesses. No fighting for coverage. No employer retaliation concerns.
Entrepreneurs & Small Business
Freedom from job lock. Start your business without losing catastrophic protection. Pursue innovation without fear.
Employers
Remove catastrophic tail risk from benefit costs. Predictable, stable expenses. Competitive advantage in talent acquisition.
Legal Professionals
Market expansion through systematic recovery. Guaranteed compensation from a principled legal framework. New practice areas.
Comprehensive Resources
Access the complete legislative text, policy analysis, fiscal projections, and supporting documentation.
Legislative text, policy analysis, fiscal projections, and supporting documentation — all in one place.
View All Resources