I'm a Dedicated Free-Market Advocate, Yet Medicare for All Is the Best Solution for US Healthcare

Deductibles. In-network. Out-of-network. Concierge medical services. Out-of-pocket expenses. Fixed payment. Co-insurance. Benefit advisers. Insurance brokers. Medical advisors. ACA. Health Maintenance Organization. PPO. Exclusive Provider Organization. POS. HDHP. HSA. Flexible Spending Account. Health Reimbursement Arrangement. Explanation of Benefits. COBRA. Small Business Health Options Program. Individual coverage. Family coverage. Premium tax credits.

Confused? It's understandable. Who understands all this stuff? Not the typical business owner. Neither the average worker. Selecting the right healthcare insurance for our business – or for our families – appears to require it requires a PhD in medical insurance.

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

According to a recent study, the average family spends $twenty-seven thousand annually for their health insurance (up 6% compared to last year). The average company healthcare expense is projected to surpass $seventeen thousand for each worker in 2026, a 9.5% jump from 2025.

Now federal operations has ceased functioning due to partisan disputes over subsidies that experts say could cause a doubling of premiums for millions of Americans.

When Might We Truly Examine National Health Insurance?

How soon might we genuinely evaluate a national health insurance program here in America? I'm convinced we're approaching that point because this situation is unsustainable.

I'm not proposing government-run medicine. I'm proposing for our current Medicare program – an established insurance framework – simply expand to include all citizens. Our infrastructure doesn't change. The way medical professionals get paid would change. Believe me, they will adjust.

The Way Universal Coverage Would Work

Universal healthcare coverage would need contributions from both workers and companies. In comparable systems, a worker earning moderate income must contribute approximately five point three percent to their healthcare. Their employer pays approximately 13.75%.

Does this appear expensive? Not if you contrast that with what average US resident spends. I can name multiple clients that are easily contributing between 8% to 15% of their employee wages to their healthcare costs. And keep in mind that with comprehensive systems, those payments include pension plans, sick pay, parental benefits and job loss protection in addition to supporting medical services. When including those costs versus our current spending for our retirement plans, job loss coverage and paid time off, the difference decreases.

Implementation for America

For America, universal healthcare funding would increase our Medicare tax deduction, a framework already established. It ought to be income-adjusted – wealthier individuals would contribute higher amounts than those earning less. This includes both worker and employer contribution. And, like many federal defense, technology, welfare services and transportation services, the system should be outsourced by private contractors rather than federal agencies.

Benefits for Small Businesses

Universal healthcare coverage would be 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 render administration significantly simpler (automatic payroll withholding processed similarly to retirement and healthcare taxes, rather than individual transactions to insurance companies and insurance providers).

It would make it easier to plan expenses annual expenditures, instead of going through the complicated (and ineffective) theater of negotiating with major insurers required annually every year. Due to simplification, there would exist improved comprehension about benefits among workers – as opposed to the current system where they have to decipher the complications of existing plans. And there would definitely exist reduced responsibility for employers as we no longer have access to our employees' medical records for purposes of weighing risks and different options.

Free-Market Viewpoint

I'm as pro-market as they get. But I've learned that government play important functions in our lives, including national security to funding needed infrastructure. Ensuring medical coverage for everyone via universal healthcare enhances economic foundations. It represents superior, simpler approach for entrepreneurs that employ the majority of American employees and fund half the economic output. It enables for workers to be healthier, come to work more often and be more productive.

Considering Challenges

Are there a million considerations I'm not addressing? Of course there are. But with rising medical expenses we've seen in recent years, it's clear that current healthcare legislation is not working very well. I understand that America isn't a small, Scandinavian country where big changes can be readily adopted. However extending Medicare for all, despite the additional taxes required, would remain a superior and more affordable approach for not only controlling healthcare costs but providing access to everyone.

Need for Honest Assessment

As Americans, must tone down our own arrogance. Our healthcare system isn't so great. We rank well below many other countries with the best healthcare in the world, according to comprehensive research. Maybe one positive aspect amid current situation is that we undertake serious examination in the mirror and agree that big changes are necessary.