As a Committed Capitalist, But Medicare for All Is the Optimal Solution for American Healthcare

Deductibles. In-network. Out-of-network. Premium health services. Out-of-pocket expenses. Co-payment. Co-insurance. Insurance consultants. Coverage agents. Healthcare consultants. Affordable Care Act. HMO. PPO. EPO. POS. HDHP. HSA. Flexible Spending Account. HRA. Explanation of Benefits. Consolidated Omnibus Budget Reconciliation Act. SHOP. Single coverage. Dependent coverage. Insurance subsidies.

Confused? You should be. Who understands this complex system? Certainly not the average business owner. Nor the typical employee. Choosing the right healthcare insurance for companies – or for households – appears to require demands advanced expertise in healthcare.

Our Medical System Isn't Just Complicated, It Is Expensive

According to recent research, typical households spends $27,000 annually on medical coverage (increasing by 6% from last year). The average employer health insurance cost is expected to surpass $17,000 per employee by 2026, an increase of 9.5% compared to 2025.

Now federal operations is shut down due to political disagreements regarding tax credits which analysts predict could cause a doubling of premiums for millions of Americans.

When Will We Truly Examine National Health Insurance?

How soon might we genuinely evaluate a national health insurance program in the United States? I'm convinced we're getting closer since this can't continue.

I'm not suggesting government-run medicine. I'm proposing for our current Medicare system – an insurance system – merely extend to cover everyone. The existing system remains intact. The way medical professionals receive payment changes. Trust me, they will adjust.

How National Health Insurance Could Function

Universal healthcare coverage would need contributions from workers and companies. In similar programs, a worker making moderate income pays approximately five point three percent toward medical coverage. Their employer pays about thirteen point seventy-five percent.

Does this seem expensive? Not if you contrast it to what the typical American pays. I know multiple businesses who are easily contributing anywhere from 8% to 15% of payroll costs to their healthcare costs. And keep in mind that in comprehensive systems, these contributions also cover pension plans, sick pay, maternity leave and unemployment benefits in addition to funding medical services. When you add those costs versus our current spending for our retirement plans, unemployment insurance and paid time off, the gap narrows.

Implementation for America

For America, a national health premium would raise our Medicare tax deduction, a system already established. It ought to be means-based – those at higher income levels would pay more than lower-income earners. This includes both an employee and employer contribution. And, like much of our government's defense, IT, welfare services and transportation services, the program should be outsourced by private contractors instead of federal agencies.

Benefits for Entrepreneurs

Universal healthcare coverage represents a significant advantage for entrepreneurs like mine. It would place small companies in equal competition with our larger competitors that can pay for superior coverage. It would make management much easier (a payroll deduction remitted like retirement and healthcare taxes, instead of separate payments to benefit firms and insurance providers).

It would make simpler to plan expenses our yearly costs, rather than enduring the complex (and ineffective) process of negotiating with the big insurance providers that we must do each year. Due to simplification, there would exist a better understanding about benefits by our employees – as opposed to the current system where they have to interpret the complications of existing plans. Additionally there would certainly be reduced responsibility for companies as we no longer would be privy to our employees' health histories for purposes of risk assessment and alternative plans.

Free-Market Viewpoint

I'm as pro-market as possible. But I've learned that government has a significant role in society, from providing defense to supporting needed infrastructure. Providing healthcare to all via universal healthcare strengthens our economy's infrastructure. It's a better, simpler approach for small businesses that employ the majority of the country's workers and generate half the economic output. It enables employees to be healthier, have better attendance and increase productivity.

Considering Challenges

Exist a million considerations I'm not addressing? Certainly. Given all the healthcare cost increases we've seen in recent years, it's clear that the Affordable Care Act is not working effectively. I understand that America isn't a compact European nation where big changes are easier to implement. However extending Medicare for all, even with increased taxation that would be incurred, would still be a better and less expensive approach both for controlling healthcare costs but providing access to everyone.

Need for Realistic Evaluation

As Americans, must tone down our own arrogance. America's medical care isn't so great. The US places well below many other countries in healthcare quality in the world, based on comprehensive research. Maybe one positive aspect amid current situation could be that we undertake serious examination at ourselves and acknowledge that big changes are necessary.