Reimagine healthcare. An alternative to Medicare for All.
Own your care. Build your family’s future.
AHOM is a proposed voluntary alternative to standard private insurance for working-age adults: savings you own, Shared Care Fund protection after your balance runs out, and a proposed legislative incentive for separate pre-tax investment.
If enacted, AHOM’s tax reforms would let eligible participants:
Make pre-tax contributions that reduce federal taxable income.
Pursue potential returns for use outside the HSA.
Supply capital to strengthen the Shared Care Fund.
Policy design only. No investment is available through this site.
Proposed earnings pathway→Potential personal distributions
Explore the policy incentive ↗Your HSA is your asset. The protection payment buys coverage. Under the proposal, separate investment capital would support the Fund and pursue returns after claims and reserve obligations.
01 Personal ownership02 Patient control03 Transparent prices04 Long-term wealth
Access with purpose. Ownership with reward.
Necessary care. Shared peace of mind.
Your income should not stand between you and necessary care. AHOM pairs purchased protection for covered needs with a personal reason to make every healthcare dollar count. Medicare and Medicaid remain part of the transition.
Confidence when care gets expensive
Your medical need comes first.
The Shared Care Fund pays covered costs beyond your account under common benefit terms. The proposal separates any investment interest from medical benefits, which follow the same covered-care standard.
A reward for good judgment
Wise choices leave more for you.
Visible prices help you seek value with your clinician. Unspent HSA money remains yours for future care and a family legacy. Prevention and appropriate treatment support that longer view.
An opportunity to build
A policy incentive for shared strength.
AHOM proposes a pre-tax investment framework to support the Fund’s capital, with potential distributions usable outside the HSA for personal spending, saving, or reinvesting.
Clear purpose. Accountable funding.
Protection payments fund eligible care. AHOM’s design calls for published coverage rules, verified claims, independent audits, and reserves before distributions. Like insurance, the Fund pools risk; AHOM connects that protection to personal ownership, direct payment, and optional pre-tax investment.
Protection matters before you have wealth. Ownership matters while you build it. Investment creates another way to participate.
Building your first balance
Protection starts before wealth.
Purchased Shared Care Fund coverage begins with covered needs beyond your account—even before years of savings accumulate. Medicaid remains part of the proposal for qualifying hardship and other eligible needs.
AHOM proposes replacing standard premiums with your account and shared protection. Unspent account funds stay yours across jobs, with prices you can compare and a family legacy to build.
AHOM proposes capped protection contributions and a separate pre-tax investment framework. If enacted and implemented, it could connect private capital with potential personal returns after the Fund meets its obligations.
AHOM puts ownership at the heart of healthcare. Family contributions can start in childhood. Unspent funds stay invested through adulthood, and remaining balances can become a legacy under AHOM’s proposed inheritance rules.
The goal: turn a lifetime of healthcare saving into lasting resources for you and the next generation.
AHOM proposes legislation connecting shared medical protection with a separate private-capital framework. If enacted and implemented, eligible contributions to that framework could reduce federal taxable income within an annual limit and create an investment interest with potential returns outside the HSA.
The policy goal is to let households put more income toward building resources they own, with potential distributions for spending, saving, or reinvesting. These are proposed reforms—not current deductions, an available fund, or an invitation to invest.