This should produce savings of up to 15 percent or more, which would be over $500 billion a year and yield a 2.7 percent boost to the entire United States economy. This is estimated to save the government over $35.25 billion per year just in lower costs of government employees' health care coverage; there will be other savings as well. With Smart-Care, waste is cut by accessing the health information system at the start of an encounter using the patient's magnetic card or number along with passwords and possible biometric protection. Benefits are clearly available at the point of service and, after the visit, a brief record of care is uploaded in return for prompt online payment. Everything stays up to date and readily available to improve care. The costs to implement the program should be less than the first year's savings, and the program once initiated can be self-supporting with modest non-profit transaction fees similar to, but less than, those of a credit card payment.