01/04/2026
How to provide Universal Healthcare, Balance the Budget and Pay off the National Debt.
THE AMERICAN FISCAL REGENERATION ACT (AFRA)
AFRA restructures U.S. healthcare and national revenue systems to provide universal single-payer coverage, balance the federal budget, and eliminate the national debt within 30 years through progressive taxation, national resource optimization, Social Security modernization, and the creation of a U.S. Sovereign Wealth Fund (SWF)
1. Universal Single-Payer Healthcare
Establishes the United States Health Security Program (USHSP) for all citizens and lawful residents.
Replaces private insurance, Medicaid, ACA plans, and redundant federal systems.
Streamlined administration saves $300B annually.
Net federal cost after efficiencies: ~$2.6–2.7T/year.
2. Revenue Framework
AFRA generates ~$3.66–3.70 trillion annually from a modernized revenue system:
$1.6T — Wealth & Unrealized Gains Levy (budget portion)
Annual assessment on top-tier financial wealth.
$1.0T — Corporate & High-Earner Tax Reform
Higher rates for top earners and strengthened corporate minimums.
$0.25T — Estate & Inheritance Tax Modernization
Progressive restructuring of wealth transfer.
$0.20T — Nationalized Oil & Gas Revenues
Captured extraction rents and profits.
$0.06T — Taxation of Churches & Religious Organizations
Applies only to revenue‑generating or politically active institutions; small non-revenue and non-political churches remain tax-exempt.
$0.30T — Healthcare Administrative Efficiency Savings
Consolidation and simplification of the national billing system.
$0.15T — Flat-Rate Taxation of Social Security Benefits
Applies above a protected low-income threshold.
$0.10T — Social Security Home Lending Program Revenue
Trust Fund issues low-interest loans for single-family homes, generating long-term returns.
Total Annual Fiscal Capacity: ≈ $3.66T
3. Balancing the Federal Budget
Structural deficit: ~$1.8T.
Net cost of single-payer: ~$2.7T.
Total annual need: ~$4.5T.
New revenue + efficiency savings: ~$3.66T.
Remaining gap (~$0.8–0.9T) closed through phased reforms, federal price controls, and economic growth.
Balanced budget achieved in Years 4–5.
4. U.S. Sovereign Wealth Fund (SWF)
Receives $1.0T/year from equity transfers via the wealth levy.
Globally diversified portfolio targeting 4% real return.
Projected SWF Value
Year 10: $12–14T
Year 20: $30–35T
Year 30: $55–60T
5. Eliminating the National Debt
Current debt: ~$38T.
Balanced budget allows surpluses and SWF returns to retire debt.
SWF assets exceed national liabilities by Year 30, enabling:
Complete debt payoff, or
Permanent offset of all federal interest obligations.
The United States becomes a net global asset holder.
6. National Benefits
Universal healthcare with no premiums or deductibles.
Major reduction in household medical expenses.
Stabilized Social Security program with long-term solvency.
Homeownership expansion through Social Security lending.
A national investment fund larger than any in world history.
Stronger global financial position and strategic independence.
