To the People of the United States,

We have been misled.

For too long, we have been told that the challenges in our healthcare system are the result of bureaucratic inefficiencies or lack of funding—but this is not the full truth. The truth is far more insidious. At the heart of the crisis is a deliberate distortion of care, driven by private health insurance companies that have corrupted the foundation of American medicine.

Private insurers have created a system in which the value of a patient is measured not by their need, but by their reimbursement rate. If a doctor can receive $500 from a private insurance company for the same service that would pay $150 under Medicare or Medicaid, it should come as no surprise that they prioritize the higher payer. This is not a reflection on individual doctors' morality—it is the natural outcome of a system that has rewarded greed over ethics, profit over people.

What does this mean for the rest of us?

It means that those covered by government-funded insurance—Medicaid and Medicare—are often disrespected, neglected, and made to wait far too long for care. It means watching loved ones grow sicker while sitting on waitlists. It means seniors and low-income families being quietly discarded by a system that was supposed to serve them. And it means that many medical professionals, knowingly or not, are being pushed into violating the very oath they swore: to do no harm.

By choosing patients based on payment over urgency or need, we are no longer practicing medicine—we are participating in economic triage.

Let us be clear: this is not just corruption. This is a quiet act of terrorism against the American people. It is the weaponization of our healthcare system against our most vulnerable populations, and it is killing us slowly, every day.

Doctors who refuse to accept Medicaid or Medicare are not just making a business decision—they are turning their backs on the fundamental mission of medicine: to heal the sick, alleviate suffering, and preserve life without prejudice. When care is denied based on the kind of insurance a patient has, the Hippocratic Oath is not only forgotten—it is broken.

We must regulate medical service rates on a federal level. We must restore equity in healthcare and protect every American—regardless of income, age, or circumstance—from being cast aside in the pursuit of profit. Care must no longer be a privilege for the well-insured; it must be a right for the unwell.

This is a call to action. Not just for lawmakers—but for citizens, medical professionals, and every soul who still believes that compassion is more important than cash.

It is time to demand a system that values human life more than it values the balance sheets of insurance companies.

We can no longer wait. People are dying.

With resolve and in service to the truth,
Rebecca Lobas

A BILL
To abolish private health insurance and standardize all healthcare payments to align with Medicaid guidelines, in order to restore ethical integrity to the medical profession and ensure equitable treatment for all individuals, regardless of income or insurance status.

Preamble

Whereas the purpose of medicine is to heal the sick, alleviate suffering, and preserve life without prejudice or profit motive; and

Whereas private health insurance companies have created a tiered system of care that incentivizes physicians and healthcare institutions to prioritize patients based on their ability to pay rather than their need for care; and

Whereas the disparity in payments between private insurers and public programs such as Medicaid distorts medical ethics, erodes the trust between patient and provider, and undermines the foundational principles upon which the medical profession stands; and

Whereas countless individuals are left vulnerable, bankrupt, or untreated due to systemic inequities driven by profit-centered insurance models, amounting to exploitation and abuse of those most in need of care; and

Whereas no organization should be permitted to wield power over human health in ways that corrupt the sacred duty of care and turn healing into a business model of fear and exclusion;

Therefore, in recognition of the inherent dignity of every person and in defense of those suffering under a fractured and unjust healthcare system, be it enacted that all forms of private health insurance shall be abolished, and that no entity may charge or pay for medical care beyond the limits and standards established by Medicaid, ensuring fairness, ethical integrity, and equal access to care for all.

SECTION 1. SHORT TITLE.

This Act may be cited as the "Healthcare Equity and Ethics Act of 2025."

SEC. 2. ABOLITION OF PRIVATE HEALTH INSURANCE.

• (a) Prohibition on Private Health Insurance.—
  Beginning on January 1, 2026, it shall be unlawful for any person, corporation, or entity to sell, market, operate, or maintain a private health insurance plan that offers coverage for services covered under Medicaid.
• (b) Termination of Existing Policies.—
  All private health insurance policies shall terminate by December 31, 2025, with provisions made for transitioning enrollees to public programs without disruption of care.

SEC. 3. STANDARDIZATION OF PAYMENT RATES.

• (a) Payment Caps Based on Medicaid Rates.—
  All payments for medical services rendered within the United States shall be subject to a maximum limit equal to the rates prescribed under the Medicaid program.
• (b) Prohibition on Excess Billing.—
  No healthcare provider or institution may charge, receive, or accept payment in excess of the Medicaid rate for any medical service or procedure.

SEC. 4. ENFORCEMENT AND PENALTIES.

• (a) Enforcement Authority.—
  The Department of Health and Human Services shall have the authority to enforce this Act, promulgate regulations, and impose penalties for non-compliance.
• (b) Penalties.—
  Any person or entity found in violation of this Act shall be subject to civil fines not exceeding $1,000,000 per violation and potential exclusion from participation in federally funded health programs.

SEC. 5. TRANSITION AND IMPLEMENTATION.

• (a) Public Education and Transition Plan.—
  The Department of Health and Human Services shall develop and implement a national transition plan to educate the public, support healthcare providers, and ensure continuity of care during the implementation of this Act.
• (b) Provider Support and Adjustment Grants.—
  Funds shall be made available to healthcare providers and institutions for administrative restructuring, training, and temporary financial stabilization during the transition to a single-rate payment model.

SEC. 6. SEVERABILITY.

If any provision of this Act is found to be unconstitutional or invalid, the remainder of the Act shall not be affected and shall remain in full force and effect.