This groundbreaking proposal outlines a market-based healthcare system built on private, member-owned cooperatives, funded by both government and premiums. Aiming for universal coverage, it targets wasteful spending in the current system and proposes freezing healthcare costs at 2025 levels. By 2036, this shift could save $10 trillion, reduce national healthcare spending to 11.8% of GDP, and create 10 million net new jobs—transitioning from bureaucratic roles to paid caregiving positions. With a focus on efficiency, transparency, and competition, Grand Bargains offers a transformative path to a healthier, more equitable America.