I'm a Dedicated Capitalist, Yet Medicare for All Represents the Top Solution for American Health System

Deductibles. In-network. Out-of-network. Concierge medical services. Out-of-pocket expenses. Fixed payment. Shared insurance. Benefit advisers. Coverage agents. Healthcare consultants. ACA. Health Maintenance Organization. Preferred Provider Organization. Exclusive Provider Organization. POS. High Deductible Health Plan. Health Savings Account. FSA. Health Reimbursement Arrangement. EOB. COBRA. Small Business Health Options Program. Individual coverage. Dependent coverage. Insurance subsidies.

Confused? It's understandable. Who understands all this stuff? Certainly not the average business owner. Nor the typical worker. Choosing the appropriate medical coverage for our business – or for our families – seems like demands advanced expertise in healthcare.

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

Based on a recent study, the average family spends $27,000 each year on medical coverage (up 6% compared to last year). Typical company healthcare expense is expected to exceed $seventeen thousand per employee in 2026, a 9.5% jump from 2025.

Now the government has ceased functioning because partisan disputes regarding tax credits which analysts predict could cause premium increases up to 100% for millions of Americans.

When Will We Seriously Consider National Health Insurance?

When will we genuinely evaluate universal healthcare coverage in the United States? I'm convinced we're approaching that point since this can't continue.

I'm not suggesting national healthcare. I'm advocating that our already existing Medicare program – an insurance system – simply expand to cover everyone. The existing system doesn't change. The way medical professionals get paid changes. Believe me, they will adjust.

How Universal Coverage Would Work

A national health insurance program would need payments from both workers and companies. In comparable systems, 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 seem expensive? Not if you compare it to what the typical US resident spends. I can name dozens of businesses that are easily contributing anywhere from eight to fifteen percent of their employee wages to their healthcare costs. And keep in mind that in inclusive programs, these contributions also cover pension plans, illness coverage, maternity leave and unemployment benefits in addition to funding medical services. When including those costs versus what we pay on retirement programs, unemployment insurance and paid time off, the difference decreases.

Execution for America

For America, universal healthcare funding would raise our Medicare tax deduction, a framework that is already in place. It should be income-adjusted – those at higher income levels would contribute higher amounts than lower-income earners. This includes both worker and employer contribution. And, like much of federal defense, IT, welfare services and transportation services, the program should be outsourced to third-party administrators rather than federal agencies.

Advantages for Small Businesses

A national health insurance program represents a huge benefit for entrepreneurs like mine. It would put us on a level playing field against big corporations that can pay for superior coverage. It would make administration much easier (a payroll deduction processed similarly to retirement and Medicare taxes, rather than separate payments to insurance companies and coverage administrators).

It would enable simpler to plan expenses annual expenditures, instead of going through the complex (and ineffective) theater of bargaining with the big insurance providers that we must do every year. Due to simplification, there would exist a better understanding of coverage by our employees – as opposed to existing arrangements which require them to decipher the complexities of existing plans. Additionally there would certainly be reduced responsibility for employers since we wouldn't have access to workers' medical records for purposes of risk assessment and alternative plans.

Capitalist Perspective

I'm as pro-market as they get. But I've learned that public institutions has a significant role in our lives, from providing defense to supporting needed infrastructure. Ensuring medical coverage to all via universal healthcare enhances our economy's infrastructure. It represents superior, simpler approach for entrepreneurs which hire the majority of the country's workers and fund half of our GDP. It makes it possible employees to be healthier, come to work more often and be more productive.

Considering Challenges

Are there numerous factors I haven't covered? Of course there are. But with all the healthcare cost increases we've seen in recent years, it's clear that current healthcare legislation isn't functioning very well. And I realize that America isn't a compact European nation where major reforms can be readily adopted. But expanding Medicare for all, even with the additional taxes required, would still be a better and more affordable strategy both for controlling healthcare costs and ensuring coverage to everyone.

Need for Realistic Evaluation

As Americans, we need to tone down our own arrogance. America's medical care isn't so great. We rank well below numerous nations with the best healthcare globally, according to comprehensive research. Perhaps a positive aspect in this present circumstances could be that we take serious examination at ourselves and agree that major reforms need to happen.