CHCA Resources

Comprehensive analysis of the Catastrophic Health Coverage Act including rationale, mechanisms, fiscal projections, and stakeholder impacts. Includes executive summary.

Comprehensive frequently asked questions organized by stakeholder group: patients, healthcare providers, employers, insurers, legal professionals, government programs, and workers.

Full 88-section draft statute establishing the Catastrophic Health Coverage Trust Fund, defining coverage categories, contribution mechanisms, subrogation authority, and implementation framework.

Comprehensive analysis of CHCA’s systematic cost recovery mechanism, including attorney compensation structures (CPFF model), victim priority protections, case screening protocols, and projected recovery rates. Incorporates workers’ compensation subrogation framework.

Consolidated evidence base supporting CHCA’s design parameters, including epidemiological data, cost projections, and verification sources for all quantitative claims.

Current-state analysis of catastrophic healthcare spending, existing program overlaps, and baseline projections against which CHCA’s fiscal impact is measured.

Analysis of healthcare-driven labor market distortion, documenting that 16% of workers remain in unwanted jobs solely for health insurance (28% for workers earning under $48,000). Examines the 13.8% entrepreneurship surge at Medicare eligibility as evidence of latent demand for catastrophic coverage liberation.

Analysis of CHCA’s coverage for conditions arising from environmental contamination—PFAS, lead, industrial pollutants—and how systematic subrogation creates accountability for corporate polluters while providing immediate care for affected communities.

Addresses concerns that CHCA makes “moral judgments” about who deserves coverage. Reframes the agency principle as causal attribution rather than moral verdict—CHCA asks whether conditions arose from circumstances beyond individual control, not whether patients are “deserving.” Explains ICD-10 anchoring, mixed-causation handling, and the explicit prohibitions on behavioral monitoring, means testing, and bedside fault determination.

Addresses concerns that government subrogation exploits victims or undermines the tort system. Documents structural failures in victim-driven litigation—capital asymmetry, time pressure, selection bias—where only 53 cents per tort dollar reaches victims. Explains how CHCA’s systematic approach increases total accountability while eliminating predatory fee extraction through CPFF attorney compensation and government-funded case development.

Addresses the failure mode common to major federal healthcare programs: political promises outrunning financial mechanics until crisis forces painful intervention. Explains how CHCA avoids this through annual actuarial certification using conservative (80th percentile) assumptions, automatic rate adjustment without congressional action, explicit reserve requirements, and bounded benefit scope with tiered oversight procedures.