🔗 Share this article I'm a Dedicated Capitalist, Yet Medicare for All Is the Best Solution for American Health System Deductibles. Preferred providers. Out-of-network. Premium health services. Out-of-pocket expenses. Fixed payment. Co-insurance. Insurance consultants. Coverage agents. Medical advisors. ACA. HMO. PPO. Exclusive Provider Organization. POS. HDHP. Health Savings Account. Flexible Spending Account. Health Reimbursement Arrangement. Explanation of Benefits. COBRA. SHOP. Single coverage. Family coverage. Premium tax credits. Baffled? It's understandable. Who comprehends all this stuff? Certainly not the average business owner. Nor the typical employee. Selecting the right healthcare insurance for our business – or for households – seems like demands advanced expertise in healthcare. Our Medical System Isn't Just Complex, It's Expensive Based on recent research, typical households pays $twenty-seven thousand annually for their health insurance (increasing by 6% from last year). Typical employer health insurance cost is expected to exceed $seventeen thousand for each worker in 2026, a 9.5% jump compared to 2025. Currently federal operations has ceased functioning due to partisan disputes regarding subsidies which analysts predict could cause premium increases up to 100% for numerous US citizens. When Might We Truly Examine National Health Insurance? How soon might we seriously consider a national health insurance program here in America? I have to believe we're getting closer since this can't continue. I'm not suggesting national healthcare. I'm advocating for our current Medicare program – an insurance system – merely extend to include all citizens. Our infrastructure remains intact. How medical professionals receive payment would change. Believe me, they'll adapt. How Universal Coverage Could Function A national health insurance program would require payments from workers and companies. In comparable systems, an employee earning moderate income must contribute approximately 5.3% toward medical coverage. Their employer pays about thirteen point seventy-five percent. Does this seem like a lot? Not if you contrast it to what average US resident spends. I can name multiple businesses that are easily contributing between 8% to 15% of payroll costs for medical benefits. Remember that in inclusive programs, those payments also cover pension plans, illness coverage, maternity leave and job loss protection in addition to supporting healthcare facilities. When including those costs versus our current spending on retirement programs, job loss coverage and vacation benefits, the gap narrows. Implementation for America For America, a national health premium would increase our Medicare tax deduction, a system already established. It should be income-adjusted – wealthier individuals would contribute higher amounts than lower-income earners. This includes both an employee and company payments. And, like much of our government's military, technology, social programs and infrastructure, the program should be outsourced by private contractors rather than a government office. Advantages for Small Businesses Universal healthcare coverage represents a huge benefit for small businesses such as my company. It would place us on a level playing field against big corporations that can pay for better plans. It would render administration much easier (a payroll deduction processed similarly to retirement and healthcare taxes, instead of separate payments to insurance companies and insurance providers). It would enable it easier to plan expenses annual expenditures, instead of going through the complex (and fruitless) theater of bargaining with major insurers required annually every year. Because it's simplified, there would be improved comprehension about benefits by our employees – as opposed to the current system where they have to interpret the complexities of existing plans. And there would definitely exist less liability for companies since we wouldn't would be privy to our employees' health histories for purposes of risk assessment and alternative plans. Free-Market Viewpoint I'm as pro-market as possible. But I've learned that public institutions has a significant role in our lives, from providing defense to funding essential systems. Providing healthcare to all via universal healthcare enhances economic foundations. It's a better, easier system for entrepreneurs which hire the majority of the country's workers and fund half of our GDP. It enables for workers to be healthier, come to work more often and increase productivity. Addressing Concerns Exist a million considerations I'm not addressing? Of course there are. Given all the healthcare cost increases we've seen recently, it's clear that current healthcare legislation is not working effectively. And I realize that America isn't a small, Scandinavian country where major reforms can be readily adopted. However extending universal Medicare, even with increased taxation required, would still be a superior and less expensive approach for not only controlling healthcare costs but providing access to everyone. Time for Honest Assessment We as Americans, must reduce national pride. America's medical care isn't so great. We rank well below numerous nations with the best healthcare globally, based on comprehensive research. Perhaps a bright spot in this current situation is that we undertake a hard look in the mirror and agree that big changes are necessary.