As a Dedicated Free-Market Advocate, But Medicare for All Represents the Top Solution for US Healthcare

Deductibles. Preferred providers. Non-preferred providers. Concierge medical services. Out-of-pocket expenses. Fixed payment. Co-insurance. Insurance consultants. Insurance brokers. Medical advisors. ACA. HMO. Preferred Provider Organization. EPO. Point of Service. HDHP. Health Savings Account. FSA. Health Reimbursement Arrangement. EOB. Consolidated Omnibus Budget Reconciliation Act. SHOP. Single coverage. Dependent coverage. Premium tax credits.

Confused? It's understandable. Who understands this complex system? Certainly not the average entrepreneur. Neither the average worker. Selecting the right medical coverage for our business – or for households – appears to require it requires a PhD in medical insurance.

The Medical System Isn't Just Complex, It's Costly

Based on recent research, the average family pays $27,000 each year 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.

Currently the government has ceased functioning because partisan disputes regarding tax credits that experts say will lead to premium increases up to 100% for numerous US citizens.

When Might We Truly Examine National Health Insurance?

When will we seriously consider universal healthcare coverage in the United States? I'm convinced we're approaching that point since this situation is unsustainable.

I'm not suggesting national healthcare. I'm proposing that our already existing Medicare system – an insurance system – merely extend to include all citizens. Our infrastructure doesn't change. The way our healthcare providers get paid would change. Trust me, they will adjust.

The Way Universal Coverage Could Function

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

Does this seem like a lot? Unless you compare that with what average American pays. I can name multiple businesses who are routinely paying between eight to fifteen percent of their employee wages to their healthcare costs. Remember that with inclusive programs, these contributions include retirement benefits, sick pay, parental benefits and job loss protection in addition to funding healthcare facilities. When including those costs compared with our current spending for our retirement plans, job loss coverage and vacation benefits, the gap narrows.

Implementation for America

In the US, a national health premium would increase existing Medicare taxes, a system that is already in place. It should be income-adjusted – those at higher income levels would contribute higher amounts than those earning less. There would be both an employee and company payments. And, like many our government's military, IT, welfare services and infrastructure, the system should be outsourced to third-party administrators instead of federal agencies.

Benefits for Small Businesses

Universal healthcare coverage would be a huge benefit for entrepreneurs such as my company. It would place small companies in equal competition against big corporations that can pay for superior coverage. It would render management significantly simpler (a payroll deduction remitted like retirement and healthcare taxes, instead of separate payments to insurance companies and coverage administrators).

It would make simpler for us to budget annual expenditures, rather than enduring the complex (and ineffective) theater of negotiating with the big insurance providers required annually each year. Because it's simplified, there would be a better understanding of coverage among workers – contrasted with the current system where they have to decipher the complications of current options. Additionally there would certainly be less liability for companies as we no longer would be privy to our employees' health histories for purposes of weighing risks and alternative plans.

Capitalist Perspective

I'm as capitalist as they get. However I recognize that government has a significant role in our lives, including national security to supporting needed infrastructure. Providing healthcare to all through a national insurance system strengthens economic foundations. It's a better, simpler approach for entrepreneurs which hire the majority of the country's workers and generate half of our GDP. It enables employees to enjoy better health, come to work more often and be more productive.

Addressing Concerns

Exist numerous factors I'm not addressing? Certainly. But with rising medical expenses experienced in recent years, it's evident that current healthcare legislation is not working very well. And I realize that we're not a small, Scandinavian country where major reforms are easier to implement. But expanding universal Medicare, even with the additional taxes that would be incurred, would remain a superior and more affordable strategy for not only controlling healthcare costs but providing access to everyone.

Need for Honest Assessment

We as Americans, must reduce our own arrogance. Our healthcare system isn't exceptional. The US places well below many other countries in healthcare quality globally, based on major studies. Perhaps a positive aspect amid current situation is that we undertake serious examination in the mirror and acknowledge that big changes need to happen.