As a Dedicated Capitalist, Yet Medicare for All Is the Top Solution for US Health System

Out-of-pocket costs. Preferred providers. Non-preferred providers. Premium health services. Out-of-pocket expenses. Fixed payment. Shared insurance. Insurance consultants. Insurance brokers. Healthcare consultants. Affordable Care Act. Health Maintenance Organization. PPO. EPO. POS. HDHP. HSA. FSA. Health Reimbursement Arrangement. EOB. COBRA. Small Business Health Options Program. Single coverage. Family coverage. Insurance subsidies.

Baffled? You should be. Who understands all this stuff? Not the typical business owner. Neither the average employee. Choosing the right medical coverage for our business – or for households – seems like demands a PhD in healthcare.

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

According to recent research, typical households pays $27,000 each year for their health insurance (up 6% compared to last year). Typical employer health insurance cost is projected to exceed $seventeen thousand per employee by 2026, an increase of 9.5% from 2025.

Currently federal operations has ceased functioning because political disagreements over subsidies which analysts predict will lead to a doubling of premiums for numerous US citizens.

When Will We Seriously Consider Universal Healthcare?

How soon might we genuinely evaluate a national health insurance program in the United States? I'm convinced we're getting closer since this can't continue.

I'm not suggesting government-run medicine. I'm advocating that our already existing Medicare program – an established insurance framework – merely extend to cover everyone. Our infrastructure doesn't change. The way medical professionals get paid would change. Trust me, they'll adapt.

The Way National Health Insurance Would Work

Universal healthcare coverage would require payments from workers and companies. In comparable systems, a worker making average wages must contribute about five point three percent toward medical coverage. Their employer must contribute approximately 13.75%.

Does this seem expensive? Unless you contrast it to what average US resident spends. I know dozens of businesses who are routinely paying anywhere from eight to fifteen percent of payroll costs for medical benefits. And keep in mind that with comprehensive systems, those payments include retirement benefits, illness coverage, maternity leave and job loss protection along with supporting medical services. When you add these expenses versus what we pay on retirement programs, job loss coverage and vacation benefits, the difference decreases.

Execution for America

In the US, universal healthcare funding would raise existing Medicare taxes, a framework already established. It ought to be income-adjusted – those at higher income levels would contribute higher amounts than lower-income earners. This includes both an employee and employer contribution. And, like many federal military, IT, social programs and infrastructure, the system could be managed by private contractors instead of a government office.

Benefits for Small Businesses

A national health insurance program represents a significant advantage for entrepreneurs like mine. It would place us on a level playing field with our larger competitors that can pay for superior coverage. It would make management significantly simpler (a payroll deduction remitted like social security and healthcare taxes, instead of separate payments to insurance companies and coverage administrators).

It would make simpler to plan expenses annual expenditures, instead of going through the complex (and ineffective) theater of bargaining with the big insurance providers required annually each year. Because it's simplified, there would exist a better understanding of coverage by our employees – as opposed to the current system where they have to interpret the complications of current options. And there would definitely exist less liability for companies since we wouldn't have access to our employees' medical records for risk assessment and alternative plans.

Capitalist Perspective

I'm as capitalist as they get. However I recognize that government play important functions in society, including national security to funding essential systems. Providing healthcare 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 makes it possible for workers to enjoy better health, come to work more often and be more productive.

Addressing Concerns

Exist numerous factors I haven't covered? Certainly. But with rising medical expenses we've seen in recent years, it's clear that the Affordable Care Act is not working effectively. I understand that we're not a small, Scandinavian country where big changes can be readily adopted. However extending Medicare for all, even with the additional taxes that would be incurred, would still be a better and less expensive approach for not only controlling healthcare costs but providing access to everyone.

Need for Honest Assessment

We as Americans, we need to reduce our own arrogance. Our healthcare system isn't exceptional. We rank significantly behind many other countries with the best healthcare in the world, based on major studies. Perhaps a bright spot in this present circumstances is that we undertake serious examination in the mirror and agree that major reforms need to happen.