2026: Health Care Costs Top the List for Affordability Concerns…

Solution: The U.S. Health Care Freedom Plan – Loaded up and ready to launch.

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KFF Health Tracking Poll: Health Care Costs, Expiring ACA Tax Credits, and the 2026 Midterms

Authors: Shannon Schumacher, Audrey Kearney, Mardet Mulugeta, Isabelle Valdes, Ashley Kirzinger, and Liz Hamel

Published: Jan 29, 2026

The latest KFF Health Tracking Poll finds health care costs top the list of what the public worries about being able to afford for themselves and their family. Two-thirds (66%) of the public say they worry about paying for health care, including the cost of health insurance and out-of-pocket costs for things like office visits and prescription drugs, ranking higher as a financial worry than other household expenses like utilities, food, and rent or mortgage – all three items on which a majority of Americans are still worried about being able to afford. 

About a third of adults (32%) say they are “very worried” about affording health care expenses, while about a quarter of adults say the same about being able to afford food and groceries (24%), their rent or mortgage (23%), or utilities (22%). About a fifth of adults say they are “very worried” about affording gas and transportation costs (17%).

This comes as recent reports show that health care costs are on the rise for most Americans and the Affordable Care Act (ACA) enhanced tax credits, which benefitted most people who purchased insurance through the marketplace, have expired.

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America’s ‘one and only’ comprehensive decentralizing health care plan...

The U.S. Health Care Freedom Plan, an integral component of The Leviticus 25 Plan, will restore citizen-centered health care and summarily reduce ‘annual expenditure for health insurance’ by eliminating bureaucratic bloat, unfriendly and complicated medical access pathways, cumbersome, drawn-out claims processing, and rapidly shrinking reimbursements for physicians, pharmacists, and other health practitioners.

The U.S. Health Care Freedom Plan offers a powerful new access strategy for patients receiving medical and pharmaceutical services, home medical equipment, and home care services.

The Plan grants citizens the freedom to pay directly, in person, for their week-to-week health care purchases. It cuts out layers of bureaucracy and middlemen … simplifies access to health care and restores genuine ‘patient-provider’ relationships.

The U.S. Health Care Freedom Plan is the only comprehensive, citizen-centered health care plan in America.  It ‘resets’ the health care industry to present a clean, efficient and responsible system.  Most importantly, this plan restores individual citizen-centered health care for all participating Americans.

The U.S. Health Care Freedom Plan is available to each and every U.S. citizen – with no coverage mandates. Each U.S. citizen who wishes to participate will be granted a full and complete exemption from the ACA.

Each participating U.S. citizen shall receive a credit extension, through a special Federal Reserve / U.S. Treasury Citizens Credit Facility of $35,000, electronically deposited into a Medical Savings Account (MSA) – for direct allocation toward family health care needs.

Private insurance – Families shall be allowed to enroll in high-deductible major medical plans, that include basic, ‘no frills’ medical plans which best suit their individual needs and desires. These streamlined plans would lower premium costs for employees and employers, encouraging employers to cost-share savings with employees through incentive-based employer MSA contributions.

Those with extraordinary medical issues may be included in a high-risk category, with such plans being eligible for a government subsidy (similar to current Medicare Advantage).

Federal / state programs – Individuals enrolled in Medicare / Medicaid / VA / TRICARE / FEHB programs would maintain their covered status, with an annual deductible of $7,000 per year per enrolled family member, for a period of five years for those benefits. The dedicated MSA funds would fully fund the offset for the higher ($7,000) deductible feature for that five-year period. MSA funds could also be used to pay Medicare supplement premiums and other potential co-pay obligations.

Where health care services paid by patients directly with MSA funds, providers would not be bound by federal / state rules pertaining to Electronic Medical Records (EMRs), and other unnecessary administrative burdens.

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The Leviticus 25 Plan activation period is slated for the 5-year period beginning in 2027 and ending in 2031.

The Leviticus 25 Plan – Each participating U.S. citizen will receive a $60,000 deposit into a Family Account (FA) and a $35,000 deposit into a Medical Savings Account (MSA).

Qualification: All U.S. citizens residing in the United States are eligible to participate, contingent upon meeting qualification standards and agreement to specified recapture provisions. Participants (other than ‘custody account’ applicants) must prove stable credit history, stable job history, no recent drug/felony convictions.

These general recapture provisions include:

  • Waiving all federal income tax refunds for a period of 5 years.
  • Waiving benefits from income security programs, select benefits from means-tested welfare programs, SSI, and SSDI for a period of 5 years.
  • Enrollees in the Medicare, Medicaid, VA Healthcare system, Federal Employees Health Benefits (FEHB), and TRICARE will be subject to a $7,000 deductible for primary care and outpatient services annually for a period of 5 years. (See full plan for more details)

The Leviticus 25 Plan generates $37.303 billion federal budget surpluses annually during each of its first five years of activation (2027-2031), and pays for itself entirely over a 10-15 year period.

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The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2027 (46534 downloads )

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