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

Out-of-pocket costs. In-network. Out-of-network. Premium health services. Out-of-pocket expenses. Co-payment. Co-insurance. Insurance consultants. Coverage agents. Medical advisors. ACA. Health Maintenance Organization. Preferred Provider Organization. Exclusive Provider Organization. Point of Service. HDHP. Health Savings Account. Flexible Spending Account. HRA. Explanation of Benefits. Consolidated Omnibus Budget Reconciliation Act. Small Business Health Options Program. Single coverage. Family coverage. Premium tax credits.

Baffled? You should be. Who understands this complex system? Certainly not the average business owner. Neither the average employee. Choosing the appropriate healthcare insurance for our business – or for our families – seems like it requires a PhD in medical insurance.

Our Medical System Is More Than Complicated, It Is Costly

Based on recent research, typical households spends $27,000 each year for their health insurance (up 6% from last year). The average employer health insurance cost is projected to surpass $seventeen thousand per employee in 2026, a 9.5% jump from 2025.

Currently federal operations has ceased functioning due to political disagreements over subsidies that experts say could cause a doubling of premiums for millions of Americans.

When Will We Truly Examine National Health Insurance?

How soon might we seriously consider a national health insurance program here in America? I'm convinced we're getting closer because this can't continue.

I'm not proposing government-run medicine. I'm proposing for our current Medicare program – an insurance system – merely extend to cover everyone. Our infrastructure doesn't change. The way medical professionals receive payment would change. Believe me, they will adjust.

The Way National Health Insurance Could Function

Universal healthcare coverage would need payments from both employees and employers. In comparable systems, an employee making average wages must contribute approximately 5.3% toward medical coverage. Their employer must contribute about thirteen point seventy-five percent.

Does this seem like a lot? Not if you compare that with what the typical American pays. I can name dozens of clients that are easily contributing anywhere from eight to fifteen percent of their employee wages for medical benefits. And keep in mind that with inclusive programs, these contributions include retirement benefits, sick pay, parental benefits and job loss protection in addition to supporting healthcare facilities. When including those costs versus what we pay on retirement programs, job loss coverage and paid time off, the difference decreases.

Implementation in the US

In the US, universal healthcare funding would increase our Medicare tax deduction, a framework that is already in place. It should be income-adjusted – those at higher income levels would pay more than those earning less. This includes both an employee and employer contribution. Similar to much of federal military, technology, welfare services and transportation services, the program could be managed by private contractors instead of federal agencies.

Benefits for Entrepreneurs

A national health insurance program would be a significant advantage for entrepreneurs such as my company. It would put small companies in equal competition against big corporations who can afford superior coverage. It would make management much easier (automatic payroll withholding remitted like social security and healthcare taxes, rather than individual transactions to insurance companies and coverage administrators).

It would make simpler for us to budget our yearly costs, instead of enduring the complicated (and ineffective) theater of negotiating with major insurers that we must do each year. Due to simplification, there would be improved comprehension about benefits by our employees – as opposed to the current system which require them to interpret the complications of existing plans. And there would definitely exist less liability for companies since we wouldn't would be privy to workers' health histories for risk assessment and different options.

Free-Market Viewpoint

I'm as pro-market as possible. But I've learned that public institutions play important functions in our lives, including national security to supporting essential systems. Providing healthcare to all via universal healthcare strengthens economic foundations. It's a better, simpler approach for entrepreneurs which hire the majority of the country's workers and fund half of our GDP. It enables employees to enjoy better health, come to work more often and be more productive.

Addressing Concerns

Are there a million considerations I haven't covered? Of course there are. But with rising medical expenses experienced in recent years, it's clear that current healthcare legislation is not working effectively. And I realize that we're not a small, Scandinavian country where major reforms can be readily adopted. But expanding Medicare for all, even with increased taxation that would be incurred, would remain a better and less expensive strategy both for controlling healthcare costs but providing access to everyone.

Need for Realistic Evaluation

As Americans, must reduce our own arrogance. America's medical care isn't exceptional. We rank significantly behind numerous nations with the best healthcare globally, based on comprehensive research. Maybe one positive aspect in this present circumstances could be that we undertake a hard look in the mirror and agree that major reforms need to happen.