As a Dedicated Free-Market Advocate, But Medicare for All Represents the Top Solution for American Health System

Out-of-pocket costs. In-network. Non-preferred providers. Premium health services. Personal healthcare costs. Co-payment. Co-insurance. Insurance consultants. Coverage agents. Healthcare consultants. ACA. HMO. PPO. EPO. POS. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. Health Reimbursement Arrangement. EOB. Consolidated Omnibus Budget Reconciliation Act. Small Business Health Options Program. Single coverage. Dependent coverage. Insurance subsidies.

Baffled? You should be. Who comprehends all this stuff? Certainly not the average business owner. Neither the average worker. Selecting the right medical coverage for companies – or for households – seems like it requires a PhD in medical insurance.

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

According to recent research, the average family spends $27,000 annually for their health insurance (increasing by 6% from last year). Typical company healthcare expense is expected to surpass $seventeen thousand per employee by 2026, an increase of 9.5% from 2025.

Currently federal operations has ceased functioning because partisan disputes over tax credits that experts say could cause a doubling of premiums for numerous US citizens.

When Might We Seriously Consider Universal Healthcare?

How soon might we genuinely evaluate universal healthcare coverage here in America? I'm convinced we're approaching that point because this situation is unsustainable.

I'm not proposing national healthcare. I'm proposing that our already existing Medicare program – an insurance system – simply expand to include all citizens. The existing system remains intact. How medical professionals receive payment changes. Trust me, they'll adapt.

How National Health Insurance Could Function

Universal healthcare coverage would require contributions from workers and companies. In similar programs, a worker making average wages pays approximately 5.3% toward medical coverage. The company must contribute approximately thirteen point seventy-five percent.

Does this appear like a lot? Not if you compare that with what average American pays. I know dozens of clients that are routinely paying anywhere from eight to fifteen percent of payroll costs for medical benefits. And keep in mind that in inclusive programs, those payments also cover retirement benefits, illness coverage, parental benefits and unemployment benefits in addition to funding healthcare facilities. When including those costs compared with our current spending for our retirement plans, job loss coverage and paid time off, the gap narrows.

Implementation for America

For America, universal healthcare funding would increase existing Medicare taxes, a system that is already in place. It should be means-based – wealthier individuals would contribute higher amounts than lower-income earners. There would be both an employee and company payments. And, like much of federal defense, technology, welfare services and transportation services, the program should be outsourced to third-party administrators instead of a government office.

Benefits for Entrepreneurs

Universal healthcare coverage represents a significant advantage for entrepreneurs like mine. It would put 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 social security and Medicare taxes, instead of individual transactions to insurance companies and coverage administrators).

It would make it easier to plan expenses annual expenditures, rather than going through the complicated (and ineffective) theater of negotiating with the big insurance providers that we must do each year. Due to simplification, there would exist a better understanding of coverage by our employees – contrasted with the current system which require them to decipher the complications of existing plans. Additionally there would certainly be less liability for companies since we wouldn't would be privy to our employees' health histories for purposes of weighing risks and alternative plans.

Capitalist Perspective

I'm as pro-market as they get. However I recognize that government play important functions in society, including national security to supporting essential systems. Ensuring medical coverage to all through a national insurance system strengthens economic foundations. It's a better, easier system for entrepreneurs that employ more than half of the country's workers and fund half the economic output. It enables for workers to enjoy better health, come to work more often and increase productivity.

Addressing Concerns

Exist a million considerations I haven't covered? Of course there are. But with rising medical expenses we've seen in recent years, it's evident that the Affordable Care Act isn't functioning very well. I understand that we're not a small, Scandinavian country where major reforms are easier to implement. However extending Medicare for all, despite the additional taxes required, would still be a superior and less expensive approach for not only controlling healthcare costs and ensuring coverage to everyone.

Need for Realistic Evaluation

As Americans, we need to reduce national pride. America's medical care isn't so great. We rank well below numerous nations in healthcare quality in the world, based on comprehensive research. Maybe one bright spot amid current situation could be that we undertake a hard look at ourselves and acknowledge that big changes need to happen.