🔗 Share this article As a Dedicated Free-Market Advocate, But Universal Medicare Is the Best Solution for US Health System Deductibles. In-network. Out-of-network. Premium health services. Out-of-pocket expenses. Fixed payment. Shared insurance. Insurance consultants. Coverage agents. Medical advisors. ACA. Health Maintenance Organization. Preferred Provider Organization. EPO. Point of Service. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. Health Reimbursement Arrangement. EOB. COBRA. SHOP. Individual coverage. Family coverage. Insurance subsidies. Confused? It's understandable. Who comprehends all this stuff? Certainly not the average entrepreneur. Nor the typical worker. Selecting the appropriate healthcare insurance for companies – or for households – appears to require demands a PhD in healthcare. Our Medical System Is More Than Complicated, It's Costly Based on recent research, typical households pays $twenty-seven thousand annually for their health insurance (up 6% from last year). The average employer health insurance cost is expected to exceed $17,000 per employee in 2026, an increase of 9.5% from 2025. Currently federal operations has ceased functioning due to partisan disputes regarding subsidies that experts say will lead to a doubling of premiums for numerous US citizens. When Will We Seriously Consider National Health Insurance? How soon might we seriously consider universal healthcare coverage in the United States? I have to believe we're getting closer because this situation is unsustainable. I'm not proposing national healthcare. I'm proposing for our current Medicare program – an established insurance framework – simply expand to include all citizens. Our infrastructure remains intact. How our healthcare providers receive payment changes. Trust me, they'll adapt. How National Health Insurance Would Work A national health insurance program would require payments from employees and employers. In similar programs, an employee earning average wages pays approximately five point three percent to their healthcare. Their employer must contribute about 13.75%. Does this seem expensive? Not if you contrast that with what the typical US resident spends. I can name multiple businesses that are easily contributing anywhere from 8% to 15% of their employee wages for medical benefits. Remember that with inclusive programs, those payments also cover retirement benefits, illness coverage, maternity leave and unemployment benefits in addition to supporting medical services. When you add these expenses compared with our current spending for our retirement plans, job loss coverage and paid time off, the difference decreases. Implementation in the US In the US, universal healthcare funding would increase existing Medicare taxes, a framework already established. It ought to be means-based – wealthier individuals would pay more than lower-income earners. This includes both worker and company payments. Similar to much of federal defense, IT, welfare services and infrastructure, the program should be outsourced to third-party administrators rather than a government office. Benefits for Entrepreneurs A national health insurance program represents a significant advantage for entrepreneurs such as my company. It would put small companies in equal competition with our larger competitors who can afford better plans. It would make management significantly simpler (a payroll deduction remitted like retirement and Medicare taxes, instead of separate payments to insurance companies and coverage administrators). It would enable it easier to plan expenses annual expenditures, rather than enduring the complicated (and fruitless) theater of bargaining with the big insurance providers that we must do every year. Because it's simplified, there would be improved comprehension about benefits by our employees – as opposed to existing arrangements which require them to decipher the complexities of current options. And there would definitely exist reduced responsibility for companies as we no longer have access to our employees' medical records for risk assessment and different options. Capitalist Perspective I'm as capitalist as they get. But I've learned that government play important functions in our lives, including national security to funding needed infrastructure. Providing healthcare for everyone through a national insurance system strengthens economic foundations. It's a better, simpler approach for entrepreneurs which hire the majority of American employees and generate half of our GDP. It enables employees to enjoy better health, have better attendance and increase productivity. Addressing Concerns Are there a million considerations I haven't covered? Certainly. But with rising medical expenses experienced in recent years, it's clear that the Affordable Care Act isn't functioning effectively. I understand that we're not a small, Scandinavian country where big changes are easier to implement. However extending Medicare for all, even with increased taxation required, would still be a better and more affordable approach both for controlling healthcare costs but providing access for all citizens. Time for Realistic Evaluation As Americans, must reduce national pride. America's medical care isn't so great. We rank well below numerous nations in healthcare quality in the world, based on comprehensive research. Perhaps a bright spot in this current situation could be that we undertake a hard look in the mirror and agree that big changes need to happen.