You’re paying more for health care, so why aren’t you in charge?

Being sick is bad enough. Dealing with the system shouldn’t make it worse.

But for too many people, that’s exactly what happens

Maybe it was a surprise medical bill that showed up weeks later. Maybe your insurance said you couldn’t see the doctor you had in mind. Or maybe it’s the bills that just keep getting more expensive.

For millions of Latinos, the problem runs even deeper.

Language barriers, limited provider options, and rising costs make a broken system feel even more out of reach.

It’s no surprise that, according to a 2025 LIBRE Institute poll, 96% of Latinos think we need to reform our health care system.

We know there’s a problem. The question is: What to do about it?

There are two very different answers to this:

• The Washington option: Give more power to the government.
• The Personal Option: Give more power to you and your doctor.

For decades, we’ve tried the first option. How’s that working out?

The Washington option: More control, same problems

In 2025 alone, Washington spent around $1.9 trillion on health care, more than 1 out of every 4 federal dollars spent.

And yet, since 2013, premiums for ACA plans have jumped 129%. Out-of-pocket costs hit an average of $1,400 per person in 2024.

So, if the government is spending more and you’re paying more, where’s that money going? Not to you, but to the middlemen sitting between you and the care you need.

Giving the government even more power won’t create the health care system we need.

Our health is too personal and too complicated to be controlled by a government bureaucrat.

What works for a healthy 28-year-old won’t work for a 55-year-old with a chronic condition.

A government takeover — whether it’s “Medicare for All” or a so-called public option — doesn’t fix any of that.

It will just make a chaotic system worse.

The Personal Option: Puts you in charge

We can’t count on the same old failed recipes to fix our health care system.

At LIBRE, we believe there’s a better way: the Personal Option. We want a system where you are the one calling the shots.

We trust you and your doctor much more than a Washington bureaucrat.

Here’s what that looks like in practice:

• More choices, lower costs: Policies like health savings accounts let you save money tax-free and spend it on the care you decide you need.
• Go to the doctor you trust: Programs like direct primary care let you choose the doctor you want, without middlemen.
• Price transparency: You should know what your care costs before you get the bill, not months after.
• Faster, cheaper drugs: We can get life-saving treatments to patients faster, and at prices families can actually afford, if we cut red tape at the Food and Drug Administration.

People should be in control of their own health care.

Real solutions for better health care

How can we put people back in control of health care?

The SPEAK Act, signed into law recently, makes it easier for millions of Latinos with limited English proficiency to get the care they need in the language they prefer.

The Accelerating Kids’ Access to Care Act was also signed into law, and it cuts the red tape that keeps children on Medicaid from accessing life-saving specialists across state lines.

The CONNECT Act would expand telehealth access and remove many of the barriers that keep millions of Latinos from getting the care they need.

The Medicare and Medicaid Fraud Prevention Act would stop the more than $80 billion in improper payments wasted every single year — money that should go to people who actually need it.

The bottom line

Latino families have always known how to stretch a dollar, care for their loved ones, and fight for a better future.

They don’t need Washington overcharging them for it.

What Latinos need is the freedom to choose their own doctor, pick a plan that fits their life, and make decisions without a bureaucrat standing in the way.

Latinos don’t need the Washington option — they need a Personal Option.

That’s what LIBRE is fighting for. And that fight starts with you.

Tell Congress: It’s time to give Latino families the health care they deserve.