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America can insure everyone without changing anyone’s existing health coverage. It won’t require replacing Obamacare with a single-payer, government-run system. Instead, we can build upon Obamacare with two simple, game-changing features: a universal cap on premiums and out-of-pocket expenses, and an automatic coverage system that places the uninsured in a plan they can depend on and afford.
These two transformational changes align the interests of those who have coverage and those who don’t against the medical-industrial complex, which for too long has delivered high-cost care instead of high-quality care at reasonable prices. For the 156 million Americans with employer-provided coverage, this proposal answers their top concern: the price they pay. For the 29 million Americans without coverage and millions of others who fear they could lose it, this answers their prayers for stable and secure insurance.