As a Dedicated Capitalist, But Medicare for All Is the Best Hope for American Health System

Out-of-pocket costs. Preferred providers. Out-of-network. Concierge medical services. Out-of-pocket expenses. Fixed payment. Shared insurance. Insurance consultants. Coverage agents. Medical advisors. Affordable Care Act. HMO. Preferred Provider Organization. Exclusive Provider Organization. POS. HDHP. Health Savings Account. FSA. Health Reimbursement Arrangement. EOB. Consolidated Omnibus Budget Reconciliation Act. SHOP. Individual coverage. Dependent coverage. Insurance subsidies.

Baffled? You should be. Who comprehends all this stuff? Not the typical entrepreneur. Neither the average employee. Choosing the appropriate medical coverage for our business – or for households – seems like demands a PhD in medical insurance.

Our Healthcare System Isn't Just Complicated, It Is Costly

Based on recent research, the average family pays $twenty-seven thousand annually for their health insurance (increasing by 6% from last year). Typical company healthcare expense is projected to exceed $seventeen thousand per employee in 2026, an increase of 9.5% compared to 2025.

Currently federal operations is shut down because political disagreements over subsidies that experts say could cause a doubling of premiums for numerous US citizens.

When Will We Truly Examine National Health Insurance?

How soon might we genuinely evaluate universal healthcare coverage here in America? I'm convinced we're getting closer because this can't continue.

I'm not proposing national healthcare. I'm proposing for our current Medicare program – an established insurance framework – merely extend to include all citizens. Our infrastructure remains intact. The way medical professionals receive payment changes. Trust me, they will adjust.

How Universal Coverage Could Function

Universal healthcare coverage would require payments from both workers and companies. In comparable systems, an employee earning moderate income must contribute approximately five point three percent to their healthcare. The company pays approximately thirteen point seventy-five percent.

Does this seem expensive? Unless you contrast that with what the typical American pays. I know multiple clients who are easily contributing between eight to fifteen percent of payroll costs for medical benefits. Remember that in inclusive programs, these contributions include pension plans, illness coverage, maternity leave and unemployment benefits in addition to supporting medical services. When you add these expenses versus what we pay on retirement programs, unemployment insurance and paid time off, the difference decreases.

Execution in the US

For America, a national health premium would increase our Medicare tax deduction, a framework that is already in place. It ought to be means-based – wealthier individuals would pay more than those earning less. This includes both an employee and employer contribution. And, like much of our government's defense, technology, welfare services and transportation services, the program should be outsourced by private contractors instead of a government office.

Advantages for Small Businesses

Universal healthcare coverage would be a significant advantage for small businesses like mine. It would place us on a level playing field with our larger competitors that can pay for better plans. It would render management significantly simpler (a payroll deduction processed similarly to retirement and healthcare taxes, rather than individual transactions to benefit firms and insurance providers).

It would enable simpler to plan expenses annual expenditures, rather than enduring the complicated (and fruitless) process of negotiating with the big insurance providers that we must do every year. Due to simplification, there would exist a better understanding about benefits by our employees – as opposed to the current system which require them to interpret the complications of existing plans. Additionally there would certainly be less liability for companies since we wouldn't would be privy to our employees' medical records for purposes of risk assessment and alternative plans.

Free-Market Viewpoint

I'm as capitalist as they get. However I recognize that public institutions play important functions in society, from providing defense to funding essential systems. Ensuring medical coverage to all via universal healthcare enhances our economy's infrastructure. It represents superior, easier system for entrepreneurs that employ the majority of American employees and generate half of our GDP. It makes it possible for workers to be healthier, come to work more often and be more productive.

Addressing Concerns

Exist numerous factors I'm not addressing? Of course there are. But with all the healthcare cost increases experienced recently, it's evident that the Affordable Care Act isn't functioning very well. I understand that we're not a small, Scandinavian country where big changes are easier to implement. But expanding universal Medicare, even with the additional taxes required, would remain a superior and less expensive strategy for not only managing medical expenses but providing access for all citizens.

Need for Honest Assessment

As Americans, must tone down national pride. America's medical care isn't so great. We rank well below many other countries in healthcare quality globally, based on major studies. Maybe one bright spot amid present circumstances could be that we undertake a hard look at ourselves and acknowledge that major reforms need to happen.