Healthcare cost comparison
Enter your household details and compare your estimated annual healthcare spending under the current US system versus the framework's Singapore-style architecture. Figures are illustrative.
Current system, 2026
Estimated annual cost. Premiums use Kaiser Family Foundation 2024 averages; out-of-pocket uses BLS Consumer Expenditure Survey data adjusted for income.
Singapore-style architecture
IllustrativeEstimated annual cost under the framework's Chapter 8 design: mandatory health savings accounts, universal catastrophic coverage, aggressive price transparency, means-tested government contributions.
What changed?
About the math
Current-system premiums for employer-sponsored coverage use the Kaiser Family Foundation 2024 Employer Health Benefits Survey: average annual employee contribution of $1,401 for single coverage and $6,575 for family coverage. Marketplace premium estimates follow the post-OBBBA premium tax credit structure, which restored the 400 percent FPL cliff after the IRA enhancement expired. Out-of-pocket spending estimates use the Bureau of Labor Statistics Consumer Expenditure Survey, scaled by family size and income.
The framework's Singapore-style architecture is modeled with the following illustrative parameters: mandatory HSA contribution of 7 percent of income up to a $250,000 ceiling (Singapore's Medisave rate ranges from 5 to 10.5 percent depending on age); means-tested government HSA contribution of up to $8,000 per household for those below the Federal Poverty Level, phasing out linearly to zero at 400 percent FPL; out-of-pocket exposure capped at 2 percent of income for households below 200 percent FPL and 5 percent above, with an absolute cap of $12,000. Preventive and chronic-disease management is exempt from cost-sharing. Framework Chapter 8 does not quote specific values; these are reasonable choices that match the framework's stated design principles.
This is a simplification. The framework's architecture also includes mandatory price transparency, prohibition of payer-based price discrimination, reference pricing for branded drugs, and a five-year transition period during which the new architecture is built alongside the existing system. None of those are reflected in this household-level calculation; the framework projects aggregate national savings of 4 to 6 percent of GDP within a decade of full implementation.
HSA balances accumulate over the working life and are inherited by family upon death. The calculator shows annual flow only; it does not project balance accumulation. See the methodology page for full source list.