🔗 Share this article I'm a Hardcore Capitalist, Yet Medicare for All Is the Top Solution for American Health System Deductibles. In-network. Out-of-network. Premium health services. Out-of-pocket expenses. Fixed payment. Co-insurance. Benefit advisers. Insurance brokers. Healthcare consultants. ACA. Health Maintenance Organization. PPO. EPO. Point of Service. High Deductible Health Plan. Health Savings Account. FSA. HRA. EOB. COBRA. SHOP. Individual coverage. Dependent coverage. Insurance subsidies. Baffled? You should be. Who understands all this stuff? Not the typical entrepreneur. Neither the average worker. Choosing the appropriate healthcare insurance for companies – or for households – appears to require 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% compared to last year). Typical company healthcare expense is expected to surpass $17,000 per employee in 2026, an increase of 9.5% compared to 2025. Currently the government is shut down due to political disagreements regarding subsidies which analysts predict could cause a doubling of premiums for numerous US citizens. When Might We Seriously Consider Universal Healthcare? How soon might we genuinely evaluate universal healthcare coverage here in America? I'm convinced we're getting closer since this situation is unsustainable. I'm not proposing national healthcare. I'm advocating that our already existing Medicare system – an established insurance framework – simply expand to include all citizens. Our infrastructure doesn't change. How medical professionals receive payment would change. Believe me, they'll adapt. The Way Universal Coverage Could Function Universal healthcare coverage would need contributions from employees and employers. In similar programs, a worker earning average wages must contribute approximately five point three percent to their healthcare. Their employer must contribute about thirteen point seventy-five percent. Does this appear like a lot? Unless you contrast that with what average US resident spends. I can name multiple clients that are easily contributing anywhere from 8% to 15% of payroll costs for medical benefits. And keep in mind that with comprehensive systems, these contributions also cover pension plans, illness coverage, maternity leave 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 For America, universal healthcare funding would raise our Medicare tax deduction, a framework already established. It ought to be means-based – wealthier individuals would contribute higher amounts than those earning less. This includes both an employee and company payments. And, like many federal defense, IT, welfare services and transportation services, the system should be outsourced to third-party administrators rather than a government office. Advantages for Small Businesses A national health insurance program represents a significant advantage for entrepreneurs such as my company. It would place us on a level playing field against big corporations that can pay for better plans. It would make management significantly simpler (a payroll deduction remitted like retirement and healthcare taxes, instead of separate payments to insurance companies and coverage administrators). It would enable simpler for us to budget our yearly costs, instead of going through the complicated (and fruitless) theater of negotiating with major insurers that we must do every year. Due to simplification, there would be improved comprehension of coverage by our employees – as opposed to the current system where they have to interpret the complexities of existing plans. And there would certainly be reduced responsibility for employers since we wouldn't would be privy to workers' medical records for risk assessment and different options. Capitalist Perspective I'm as capitalist as possible. But I've learned that government play important functions in our lives, from providing defense to funding needed infrastructure. Ensuring medical coverage for everyone through a national insurance system strengthens our economy's infrastructure. It's a better, easier system 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 Exist numerous factors I haven't covered? Certainly. Given all the healthcare cost increases we've seen recently, it's evident that current healthcare legislation isn't functioning very well. I understand that America isn't a compact European nation where major reforms can be readily adopted. However extending Medicare for all, despite increased taxation required, would still be a better and more affordable strategy for not only managing medical expenses and ensuring coverage to everyone. Need for Honest Assessment We as Americans, must tone down our own arrogance. 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 positive aspect amid present circumstances could be that we undertake a hard look in the mirror and acknowledge that big changes need to happen.