Saving the American Dream

The Heritage Plan to Fix the Debt, Cut Spending, and Restore Prosperity

How it Affects Families

New freedom to save for a home or college expenses, including tuition; new options for affordable health care; predictable paths to secure retirement.

New freedom to save for a home or college expenses, including tuition; new options for affordable health care; predictable paths to secure retirement.

A tax system that respects your family's values

By ending double taxation on personal savings, the Heritage plan gives you greater freedom to save for your family's future needs, such as buying a home or car, or putting your kids through college. You'll also have more and better tools for managing health care costs and building financial security.

Affordable health insurance chosen and owned by you

Under our plan, health insurance is no longer tethered to your job and restricted to plans your employer offers. You choose from competing private health plans. You own and control your family's insurance. Direct tax relief makes coverage more affordable. And your employer can still offer a group plan or help with your premium costs.

A predictable path to a secure retirement

Our plan allows you to plan for retirement with a stable and predictable Social Security benefit. You can build a nest egg in accounts owned by you, not by the federal government. And we end current laws that tax Social Security benefits for half of all retirees.

Morally responsible reform

Our plan provides more reliable assistance to workers and retirees who need it. And since all Americans share the burden of fixing deficits and debt, everyone in your family - grandparents, parents, and children - can lead a life in which the benefits enjoyed by one generation don't create massive and irresponsible debt for the next.