Crisis

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<strong>The Crisis: You’re not crazy. This is a preventable disaster with a mechanical fix.</strong>
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22 million lost coverage Dec 31. Congress rejected both healthcare plans.
But we have the solution — if enough people demand it.
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<h1>The Crisis: Congress Failed Dec 31 & Negative Cascade</h1>
<p class=”subtitle”>You’re not crazy. This is a preventable disaster with a mechanical fix.</p>
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<p class=”graphic-caption”>The Crisis Is Real: 22 Million Americans Lost Coverage Dec 31</p>
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<h3>What Just Happened</h3>
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Congress let healthcare subsidies expire on <strong>December 31, 2025</strong>.
Twenty-two million Americans lost coverage. Premiums are spiking. The system is destabilizing.
Congress had solutions on the table, but rejected both.
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<strong>We have a proven way to fix this — if 3.5% of voters demand action NOW.</strong>
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alt=”Healthcare Crisis – 22M Lose Coverage”>
<p class=”graphic-caption”>The Crisis Is Real: 22 Million Americans Lost Coverage Dec 31</p>
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<h2>The Six Simultaneous Crises</h2>

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<h3>1. 22 Million Lose Coverage Dec 31</h3>
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Tax credit cliff. Premiums double or triple. Individuals forced into impossible choices.
Congress rejected both healthcare plans Dec 11. 22 million Americans without coverage.
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<h3>2. AI Eliminates 50M+ Jobs</h3>
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Automation here now. Jobs disappearing faster than retraining. No safety net.
No healthcare for displaced individuals.
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<h3>3. Insurance Skyrockets = Cascade of Failure</h3>
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<strong>NEGATIVE CASCADE:</strong> Higher premiums → individuals drop coverage →
healthcare system destabilizes → businesses lose productivity → supply chains break →
economy falters → more job losses → more uninsured → system collapses faster.
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<h3>4. Housing Affordability Crisis</h3>
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Rising costs force families to choose between rent and healthcare.
Homelessness accelerates. Economic security disappears.
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<h3>5. Cost of Living Unsustainable</h3>
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Inflation + no wage growth = impossible choices for ordinary Americans.
Food, utilities, transportation — all consuming survival budgets.
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<h3>6. Destructive Executive Orders + Wars Draining Resources</h3>
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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.
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<h2>Trump’s HSA Plan vs PHIERS</h2>

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<p class=”graphic-caption”>The Administration’s HSA Plan Announcement — January 2026</p>
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<h3>We Solve What He Says He Wants to Solve</h3>
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Trump says he wants to solve healthcare, jobs, and economy.
<strong style=”color: white;”>PHIERS actually delivers all three</strong> — with math, not promises.
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<a href=”/trump-hsa-response/”
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Read Our Complete Response to Trump’s HSA Plan →
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See how PHIERS delivers what HSAs promise — but actually works for 234M Americans
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<h2>Why This Moment Matters: The Leverage Window</h2>

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<div class=”timeline-date”>December 31, 2025</div>
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Healthcare subsidies expired. 22M Americans lost coverage. Crisis begins.
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<div class=”timeline-date”>Late January 2026</div>
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<strong>Government shutdown deadline.</strong> Congress must act. Maximum leverage window.
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<div class=”timeline-date”>Spring 2026</div>
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If we reach 3.5% organized (11.6M signatures), cascade begins. Telehealth authorization forced.
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<div class=”timeline-date”>July 4, 2026</div>
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<strong>100M+ members = Independence Day from corporate control.</strong>
Universal coverage becomes inevitable.
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<h3>The 90-day sprint starts NOW</h3>
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After April 30, we reach 100 million members — unstoppable critical mass.
By July 4th, we reclaim independence from corporate control.
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But here’s what they don’t want you to know: we have the solution, and it’s unstoppable.
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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.
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<h2>The Math Nobody’s Talking About</h2>

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<p class=”graphic-caption”>$2.73 Trillion in Annual Savings — Click to see how it works</p>
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<div style=”font-size: 2em; color: #4caf50; font-weight: bold;”>$7,400</div>
<div style=”color: #a5d6a7; font-size: 0.9em; margin-top: 5px;”>Savings per person annually</div>
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<div style=”font-size: 2em; color: #4caf50; font-weight: bold;”>12+</div>
<div style=”color: #a5d6a7; font-size: 0.9em; margin-top: 5px;”>People funded per conversion</div>
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<div style=”font-size: 2em; color: #4caf50; font-weight: bold;”>$2.73T</div>
<div style=”color: #a5d6a7; font-size: 0.9em; margin-top: 5px;”>Total annual government savings</div>
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<div style=”font-size: 2em; color: #4caf50; font-weight: bold;”>8–13 mo</div>
<div style=”color: #a5d6a7; font-size: 0.9em; margin-top: 5px;”>To universal coverage</div>
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<h3>Where the $2.73T Comes From</h3>
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<strong style=”color: white;”>But the $2.73T comes from EVERYWHERE:</strong>
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<li style=”color: #c8e6c9; margin: 8px 0;”>CMS members switching: $888B freed</li>
<li style=”color: #c8e6c9; margin: 8px 0;”>ACA members: Additional cascade</li>
<li style=”color: #c8e6c9; margin: 8px 0;”>Uninsured members: New market</li>
<li style=”color: #c8e6c9; margin: 8px 0;”>Private insurance competition: Drives costs down</li>
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<h2>PHIERS STOPS The Negative Cascade & Creates POSITIVE Cascade</h2>
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<strong style=”color: white;”>If enough individuals sign the petition and build the 3.5% cooperative movement.</strong>
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<h3>NEGATIVE CASCADE (Current Path)</h3>
<p style=”color: #ffcdd2; font-weight: bold; margin-bottom: 15px;”>What happens if we do nothing:</p>
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<li style=”color: #ffcdd2;”>Higher premiums → people drop coverage</li>
<li style=”color: #ffcdd2;”>Healthcare system destabilizes</li>
<li style=”color: #ffcdd2;”>Businesses lose productivity</li>
<li style=”color: #ffcdd2;”>Supply chains break</li>
<li style=”color: #ffcdd2;”>Economy falters</li>
<li style=”color: #ffcdd2;”>More job losses</li>
<li style=”color: #ffcdd2;”>More uninsured</li>
<li style=”color: #ffcdd2;”>System collapses faster</li>
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