I'm a Committed Capitalist, But Universal Medicare Is the Top Solution for American Healthcare

Out-of-pocket costs. Preferred providers. Non-preferred providers. Premium health services. Out-of-pocket expenses. Co-payment. Shared insurance. Benefit advisers. Coverage agents. Healthcare consultants. ACA. HMO. PPO. EPO. POS. High Deductible Health Plan. HSA. Flexible Spending Account. HRA. Explanation of Benefits. COBRA. Small Business Health Options Program. Single coverage. Family coverage. Insurance subsidies.

Confused? It's understandable. Who comprehends all this stuff? Not the typical entrepreneur. Neither the average worker. Choosing the right healthcare insurance for our business – or for households – seems like demands advanced expertise in medical insurance.

Our Medical System Is More Than Complicated, It's Costly

Based on recent research, the average family spends $27,000 annually for their health insurance (up 6% from last year). The average employer health insurance cost is expected to surpass $seventeen thousand for each worker in 2026, an increase of 9.5% compared to 2025.

Currently federal operations has ceased functioning because political disagreements over subsidies that experts say will lead to a doubling of premiums for millions of Americans.

When Might We Seriously Consider 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 since this can't continue.

I'm not suggesting government-run medicine. I'm proposing that our already existing Medicare program – an insurance system – merely extend to include all citizens. The existing system doesn't change. How our healthcare providers receive payment would change. Trust me, they'll adapt.

The Way National Health Insurance Would Work

Universal healthcare coverage would require payments from employees and employers. In similar programs, an employee making moderate income must contribute about five point three percent to their healthcare. The company pays about 13.75%.

Does this appear like a lot? Not if you contrast that with what average American pays. I know multiple businesses that are easily contributing anywhere from eight to fifteen percent of their employee wages to their healthcare costs. Remember that in comprehensive systems, those payments include pension plans, sick pay, maternity leave and unemployment benefits in addition to funding medical services. When you add those costs compared with our current spending for our retirement plans, unemployment insurance and vacation benefits, the gap narrows.

Execution for America

For America, a national health premium would raise existing Medicare taxes, a framework that is already in place. It should be means-based – wealthier individuals would contribute higher amounts than those earning less. There would be both an employee and company payments. Similar to many federal defense, technology, social programs and transportation services, the system could be managed by private contractors instead of a government office.

Advantages for Entrepreneurs

A national health insurance program represents a significant advantage for entrepreneurs such as my company. It would place us on a level playing field with our larger competitors that can pay for better plans. It would render administration significantly simpler (a payroll deduction processed similarly to social security and healthcare taxes, instead of separate payments to insurance companies and insurance providers).

It would make simpler for us to budget our yearly costs, rather than enduring the complicated (and ineffective) theater of bargaining with major insurers required annually each year. Due to simplification, there would exist improved comprehension about benefits among workers – as opposed to the current system where they have to interpret the complexities of current options. And there would definitely exist less liability for companies since we wouldn't would be privy to our employees' medical records for risk assessment and different options.

Capitalist Perspective

I'm as pro-market as possible. But I've learned that public institutions has a significant role in our lives, including national security to supporting essential systems. Providing healthcare to all via universal healthcare strengthens our economy's infrastructure. It represents superior, simpler approach for small businesses which hire the majority of the country's workers and generate half the economic output. It makes it possible for workers to be healthier, come to work more often and be more productive.

Addressing Concerns

Exist a million considerations I'm not addressing? Certainly. But with all the healthcare cost increases experienced in recent years, it's evident that the Affordable Care Act is not working effectively. I understand that America isn't a small, Scandinavian country where major reforms can be readily adopted. However extending universal Medicare, despite the additional taxes that would be incurred, would still be a better and more affordable approach for not only managing medical expenses and ensuring coverage to everyone.

Need for Realistic Evaluation

We as Americans, we need to tone down our own arrogance. America's medical care isn't so great. The US places significantly behind many other countries with the best healthcare in the world, according to comprehensive research. Maybe one bright spot in this present circumstances is that we undertake a hard look at ourselves and agree that major reforms are necessary.