🔗 Share this article I'm a Dedicated Free-Market Advocate, But Medicare for All Represents the Optimal Solution for US Healthcare Deductibles. In-network. Non-preferred providers. Concierge medical services. Out-of-pocket expenses. Fixed payment. Shared insurance. Benefit advisers. Insurance brokers. Medical advisors. Affordable Care Act. Health Maintenance Organization. Preferred Provider Organization. Exclusive Provider Organization. Point of Service. High Deductible Health Plan. HSA. FSA. Health Reimbursement Arrangement. Explanation of Benefits. Consolidated Omnibus Budget Reconciliation Act. Small Business Health Options Program. Single coverage. Dependent coverage. Insurance subsidies. Baffled? You should be. Who comprehends all this stuff? Not the typical business owner. Nor the typical employee. Selecting the appropriate healthcare insurance for our business – or for households – seems like it requires a PhD in medical insurance. Our Medical System Isn't Just Complex, It Is Expensive According to recent research, typical households spends $twenty-seven thousand each year on medical coverage (up 6% from last year). The average employer health insurance cost is expected to exceed $seventeen thousand for each worker in 2026, a 9.5% jump from 2025. Currently the government has ceased functioning due to political disagreements regarding subsidies which analysts predict will lead to 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 have to believe we're approaching that point since this can't continue. I'm not proposing government-run medicine. I'm proposing that our already existing Medicare program – an established insurance framework – merely extend to cover everyone. The existing system doesn't change. The way medical professionals get paid would change. Trust me, they will adjust. How Universal Coverage Could Function A national health insurance program would require payments from both employees and employers. In similar programs, an employee making moderate income pays about 5.3% to their healthcare. Their employer must contribute approximately 13.75%. Does this seem like a lot? Unless you compare that with what average American pays. I know multiple businesses who are routinely paying between eight to fifteen percent of their employee wages to their healthcare costs. And keep in mind that in inclusive programs, those payments also cover retirement benefits, sick pay, parental benefits and job loss protection in addition to supporting healthcare facilities. When you add these expenses versus what we pay on retirement programs, unemployment insurance and paid time off, the gap narrows. Execution for America For America, a national health premium would raise existing Medicare taxes, a system that is already in place. It ought to be means-based – those at higher income levels would pay more than those earning less. This includes both an employee and company payments. And, like much of federal defense, technology, welfare services and transportation services, the program should be outsourced by private contractors rather than a government office. Benefits for Small Businesses A national health insurance program would be a significant advantage for entrepreneurs like mine. It would put small companies in equal competition against big corporations who can afford better plans. It would render management significantly simpler (automatic payroll withholding remitted like social security and Medicare taxes, instead of individual transactions to benefit firms and insurance providers). It would make simpler to plan expenses our yearly costs, instead of going through the complex (and fruitless) theater of bargaining with the big insurance providers required annually every year. Due to simplification, there would be a better understanding of coverage by our employees – contrasted with the current system which require them to decipher the complexities of current options. Additionally there would certainly be reduced responsibility for employers as we no longer would be privy to our employees' health histories for weighing risks and different options. Capitalist Perspective I'm as pro-market as possible. However I recognize that government has a significant role in society, including national security to funding needed infrastructure. Providing healthcare to all through a national insurance system enhances economic foundations. It represents superior, easier system for entrepreneurs which hire more than half of the country's workers and fund half of our GDP. It enables employees to be healthier, come to work more often and increase productivity. Addressing Concerns Exist a million considerations I haven't covered? Certainly. But with rising medical expenses we've seen recently, it's evident that the Affordable Care Act isn't functioning very well. And I realize that America isn't a small, Scandinavian country where major reforms are easier to implement. But expanding Medicare for all, even with the additional taxes required, would remain a superior and more affordable approach both for managing medical expenses but providing access for all citizens. Need for Honest Assessment We as Americans, we need to reduce national pride. America's medical care isn't exceptional. The US places significantly behind numerous nations in healthcare quality in the world, based on major studies. Perhaps a bright spot amid current situation is that we undertake a hard look at ourselves and acknowledge that big changes need to happen.