The creator is New Journe LLC, DBA New Journe Health and Wellness. Debt-Free Health Plans" is a unique approach to employer-sponsored healthcare. Unlike traditional plans that often include deductibles, co-insurance, and maximum out-of-pocket costs, this plan eliminates those financial barriers entirely. It is designed to prevent medical debt from accumulating at the source by offering comprehensive health coverage with no hidden costs for employees. It is an original design, combining strategic health plan structures with financial innovations to create a health solution that proactively eliminates the common triggers of medical debt. The concept of "Debt-Free Health Plans" was first used on October 1st 2024. Debt-Free Health Plans" creates significant value by allowing employers to offer their employees a truly affordable healthcare solution, removing traditional financial barriers such as deductibles, co-insurance, and maximum out-of-pocket costs. This IP contributes to reducing medical debt, increasing access to healthcare, improving employee satisfaction, and enhancing overall financial wellness for individuals and families. The IP solves the problem of rising medical debt, which has been a significant financial burden for many Americans. By eliminating cost-sharing mechanisms like deductibles and co-insurance, "Debt-Free Health Plans" directly addresses the root causes of debt accumulation in healthcare, providing peace of mind for employees and helping employers offer a more sustainable, socially responsible health plan.