🔗 Share this article As a Dedicated Capitalist, But Medicare for All Represents the Top Solution for American Health System Out-of-pocket costs. In-network. Non-preferred providers. Premium health services. Out-of-pocket expenses. Co-payment. Co-insurance. Insurance consultants. Coverage agents. Medical advisors. ACA. HMO. Preferred Provider Organization. EPO. Point of Service. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. HRA. Explanation of Benefits. COBRA. Small Business Health Options Program. Single coverage. Family coverage. Insurance subsidies. Baffled? You should be. Who understands this complex system? Certainly not the average business owner. Nor the typical worker. Selecting the right medical coverage for companies – or for our families – seems like it requires a PhD in medical insurance. Our Healthcare System Isn't Just Complex, It's Costly According to a recent study, the average family spends $27,000 each year on medical coverage (increasing by 6% compared to last year). The average employer health insurance cost is expected to exceed $17,000 for each worker by 2026, a 9.5% jump compared to 2025. Currently the government has ceased functioning due to partisan disputes regarding subsidies that experts say could cause a doubling of premiums for numerous US citizens. When Might We Truly Examine Universal Healthcare? When will we genuinely evaluate universal healthcare coverage here in America? I'm convinced we're approaching that point because this can't continue. I'm not suggesting government-run medicine. I'm proposing that our already existing Medicare program – an established insurance framework – merely extend to cover everyone. The existing system doesn't change. How our healthcare providers receive payment would change. Trust me, they will adjust. The Way National Health Insurance Could Function A national health insurance program would need payments from employees and employers. In similar programs, a worker making average wages must contribute about 5.3% to their healthcare. The company must contribute about thirteen point seventy-five percent. Does this appear expensive? Not if you compare that with what the typical US resident spends. I can name multiple clients who are routinely paying anywhere from 8% to 15% of payroll costs for medical benefits. And keep in mind that with comprehensive systems, these contributions include retirement benefits, illness coverage, parental benefits and job loss protection in addition to supporting healthcare facilities. When you add those costs versus what we pay on retirement programs, job loss coverage and vacation benefits, the difference decreases. Execution for America In the US, a national health premium would raise existing Medicare taxes, a framework that is already in place. It should be income-adjusted – those at higher income levels would pay more than those earning less. This includes both an employee and company payments. Similar to much of federal military, technology, welfare services and transportation services, the system should be outsourced by private contractors instead of a government office. Benefits for Small Businesses Universal healthcare coverage represents a significant advantage for entrepreneurs like mine. It would put us on a level playing field with our larger competitors who can afford better plans. It would make management much easier (automatic payroll withholding remitted like retirement and Medicare taxes, rather than separate payments to benefit firms and coverage administrators). It would make simpler to plan expenses annual expenditures, rather than enduring the complex (and ineffective) theater of bargaining with the big insurance providers that we must do every year. Due to simplification, there would exist improved comprehension of coverage among workers – contrasted with existing arrangements which require them to interpret the complications of current options. Additionally there would certainly be reduced responsibility for employers as we no longer would be privy to workers' health histories for weighing risks and alternative plans. Capitalist Perspective I'm as pro-market as they get. But I've learned that government has a significant role in society, from providing defense to supporting essential systems. Providing healthcare for everyone via universal healthcare enhances our economy's infrastructure. It's a better, easier system for small businesses that employ more than half of the country's workers and generate half the economic output. It makes it possible for workers to enjoy better health, have better attendance and increase productivity. Considering Challenges Are there numerous factors I'm not addressing? Of course there are. Given all the healthcare cost increases experienced in recent years, it's clear that current healthcare legislation isn't functioning effectively. I understand that we're not a compact European nation where big changes are easier to implement. But expanding Medicare for all, even with increased taxation that would be incurred, would still be a better and more affordable approach both for controlling healthcare costs and ensuring coverage to everyone. Need for Honest Assessment We as Americans, must tone down national pride. America's medical care isn't exceptional. We rank well below many other countries in healthcare quality in the world, according to major studies. Maybe one bright spot amid present circumstances is that we undertake serious examination at ourselves and agree that big changes are necessary.