🔗 Share this article As a Hardcore Free-Market Advocate, Yet Medicare for All Represents the Top Solution for American Health System Deductibles. In-network. Out-of-network. Concierge medical services. Personal healthcare costs. Co-payment. Co-insurance. Benefit advisers. Coverage agents. Healthcare consultants. ACA. HMO. PPO. Exclusive Provider Organization. Point of Service. High Deductible Health Plan. HSA. FSA. HRA. Explanation of Benefits. COBRA. SHOP. Single coverage. Dependent coverage. Insurance subsidies. Baffled? You should be. Who comprehends all this stuff? Certainly not the average business owner. Neither the average employee. Selecting the right healthcare insurance for companies – or for households – seems like demands advanced expertise in healthcare. The Medical System Is More Than Complicated, It Is Costly Based on a recent study, the average family pays $27,000 each year on medical coverage (up 6% from last year). Typical employer health insurance cost is expected to surpass $seventeen thousand for each worker by 2026, an increase of 9.5% from 2025. Currently federal operations has ceased functioning due to partisan disputes regarding subsidies that experts say could cause premium increases up to 100% for millions of Americans. When Will We Truly Examine Universal Healthcare? When will we seriously consider universal healthcare coverage here in America? I'm convinced we're getting closer because this situation is unsustainable. I'm not proposing government-run medicine. I'm proposing that our already existing Medicare system – an established insurance framework – merely extend to cover everyone. The existing system remains intact. How our healthcare providers receive payment changes. Trust me, they will adjust. The Way Universal Coverage Could Function Universal healthcare coverage would need payments from workers and companies. In comparable systems, an employee making average wages must contribute approximately five point three percent toward medical coverage. Their employer must contribute about 13.75%. Does this appear like a lot? Unless you contrast it to what average US resident spends. I know multiple businesses who are easily contributing anywhere from 8% to 15% of their employee wages to their healthcare costs. Remember that in comprehensive systems, these contributions include pension plans, sick pay, parental benefits and job loss protection in addition to supporting healthcare facilities. When including those costs compared with what we pay for our retirement plans, unemployment insurance and paid time off, the difference decreases. Implementation in the US In the US, a national health premium would raise existing Medicare taxes, a framework that is already in place. It should be means-based – those at higher income levels would pay more than those earning less. There would be both worker and company payments. And, like much of federal military, IT, welfare services and infrastructure, the system should be outsourced by private contractors instead of a government office. Advantages for Small Businesses Universal healthcare coverage represents a significant advantage for entrepreneurs like mine. It would place small companies in equal competition against big corporations who can afford better plans. It would render administration much easier (automatic payroll withholding remitted like retirement and Medicare taxes, rather than separate payments to benefit firms and insurance providers). It would make it easier to plan expenses our yearly costs, rather than going through the complicated (and fruitless) process of bargaining with major insurers required annually every year. Due to simplification, there would be a better understanding of coverage among workers – contrasted with the current system which require them to interpret the complications of current options. And there would definitely exist reduced responsibility for companies as we no longer would be privy to our employees' medical records for purposes of risk assessment and alternative plans. Capitalist Perspective I'm as pro-market as they get. However I recognize that government play important functions in society, from providing defense to funding essential systems. Providing healthcare to all via universal healthcare enhances economic foundations. It's a better, easier system for entrepreneurs which hire the majority of American employees and fund half of our GDP. It makes it possible employees to enjoy better health, have better attendance and increase productivity. Addressing Concerns Exist numerous factors I haven't covered? Of course there are. Given all the healthcare cost increases we've seen in recent years, it's evident that the Affordable Care Act isn't functioning very well. And I realize that we're not a compact European nation where big changes are easier to implement. But expanding universal Medicare, even with the additional taxes that would be incurred, would remain a better and less expensive strategy for not only managing medical expenses and ensuring coverage for all citizens. Need for Realistic Evaluation We as Americans, must tone down our own arrogance. America's medical care isn't so great. We rank well below many other countries with the best healthcare globally, based on major studies. Maybe one bright spot in this current situation could be that we take serious examination at ourselves and acknowledge that big changes need to happen.