The credibility anchor

Every number. Every source. Nothing hidden.

This is the research appendix. Conservative assumptions are called out openly — they make the case stronger, not weaker. Hover any “sourced” badge for the calculation and primary source.

The Pool

From 137 billion swipes to $68.5 billion a year.

137B
total annual US card transactions (credit + debit)
$0.50
average roundup per transaction
$68.6B
annual roundup pool

The Care Team Model

One unit serves 1,080 patients a year — with 10% of hours protected.

=
1,080patients/yr

1 care unit = 1 physician + 2 RNs + 1 LPN, serving 1,080 unique patients a year across 3,456 visit slots — with 10% of hours protected for non-billable work.

$685,259
fully-loaded cost per care unit / year
303,819
care units needed in Year 1
updated
$208.2B
total Year 1 system cost

The 10% Non-Billable Commitment

This is not a loophole. It's the reason doctors don't burn out.

  • 54% Direct patient care (billable)
  • 36% Other billable (documentation, coordination)
  • 10% Protected non-billable (CME, admin, huddles)

Source: BLS June 2024 hospital compensation data + AAFP panel research.

Per Citizen

$779.70 fully loaded. The roundup already covers a third of it.

updated
$779.76
full Year-1 cost per adult
$256.93
already covered by round-ups, per adult
updated
$43.57/mo
the remaining gap, per adult per month

The 15-Year Curve

The model gets cheaper every year the population gets healthier.

$0B$55B$110B$165B$220BYr 0Yr 3Yr 7Yr 10Yr 15Round-up pool · $68.6BYear 15: pool covers 108%$5.2B surplus — self-sustaining

Demand reduction: ASPE/HHS Prevention Models · Sung et al. 2018 (IJERPH). Cost model: BLS 2024 · AAMC 2024 · Medscape 2025.

Run It Yourself

Move the slider. The model recomputes live.

If 10 million adults join…

1M267M (all US adults)
$2.6B
Annual pool generated
3,749
Care units funded
4M
Americans served
1%
National demand covered
163
Doctors' education funded / yr