🔗 Share this article As a Dedicated Capitalist, Yet Universal Medicare Is the Optimal Solution for American Health System Deductibles. Preferred providers. Out-of-network. Concierge medical services. Personal healthcare costs. Fixed payment. Shared insurance. Benefit advisers. Coverage agents. Medical advisors. ACA. HMO. Preferred Provider Organization. EPO. Point of Service. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. Health Reimbursement Arrangement. EOB. Consolidated Omnibus Budget Reconciliation Act. Small Business Health Options Program. Single coverage. Dependent coverage. Premium tax credits. Confused? You should be. Who understands all this stuff? Not the typical business owner. Nor the typical worker. Selecting the right medical coverage for companies – or for our families – seems like it requires advanced expertise in healthcare. Our Medical System Is More Than Complex, It Is Expensive Based on a recent study, typical households spends $27,000 annually for their health insurance (increasing by 6% from last year). Typical company healthcare expense is expected to surpass $17,000 per employee in 2026, an increase of 9.5% compared to 2025. Now federal operations is shut down due to political disagreements regarding subsidies that experts say could cause premium increases up to 100% for numerous US citizens. When Will We Truly Examine National Health Insurance? How soon might we genuinely evaluate universal healthcare coverage in the United States? I have to believe we're getting closer because this situation is unsustainable. I'm not proposing government-run medicine. I'm advocating for our current Medicare program – an established insurance framework – simply expand to cover everyone. The existing system doesn't change. The way our healthcare providers receive payment would change. Believe me, they'll adapt. How Universal Coverage Would Work A national health insurance program would require contributions from both employees and employers. In similar programs, a worker making moderate income must contribute approximately 5.3% toward medical coverage. Their employer must contribute approximately 13.75%. Does this appear expensive? Not if you contrast that with what average US resident spends. I can name multiple businesses who are easily contributing between eight to fifteen percent of payroll costs for medical benefits. Remember that in comprehensive systems, those payments also cover pension plans, sick pay, maternity leave and job loss protection in addition to funding medical services. When you add these expenses versus what we pay for our retirement plans, unemployment insurance and paid time off, the gap narrows. Execution for America For America, a national health premium would raise our Medicare tax deduction, a system already established. It should be means-based – wealthier individuals would pay more than those earning less. This includes both an employee and employer contribution. Similar to many federal military, IT, welfare services and infrastructure, the program could be managed to third-party administrators instead of federal agencies. Advantages for Entrepreneurs Universal healthcare coverage would be a huge benefit for entrepreneurs like mine. It would put us on a level playing field against big corporations who can afford superior coverage. It would render management much easier (a payroll deduction remitted like social security and Medicare taxes, instead of separate payments to insurance companies and insurance providers). It would make simpler for us to budget our yearly costs, rather than going through the complex (and fruitless) process of negotiating with major insurers that we must do each year. Because it's simplified, there would exist a better understanding of coverage among workers – as opposed to existing arrangements which require them to decipher the complexities of existing plans. And there would certainly be reduced responsibility for companies since we wouldn't have access to workers' health histories for purposes of risk assessment and different options. Capitalist Perspective I'm as pro-market as they get. But I've learned that government has a significant role in our lives, including national security to supporting essential systems. Providing healthcare to all through a national insurance system strengthens economic foundations. It's a better, easier system for small businesses that employ more than half of the country's workers and generate half the economic output. It enables for workers to enjoy better health, have better attendance and increase productivity. Addressing Concerns Exist a million considerations I'm not addressing? Certainly. Given rising medical expenses we've seen in recent years, it's clear that current healthcare legislation isn't functioning effectively. I understand that America isn't a compact European nation where major reforms are easier to implement. However extending Medicare for all, even with increased taxation required, would remain a superior and more affordable approach for not only controlling healthcare costs and ensuring coverage to everyone. Time for Honest Assessment We as Americans, we need to reduce national pride. Our healthcare system isn't exceptional. We rank well below numerous nations in healthcare quality in the world, based on major studies. Maybe one bright spot in this current situation is that we undertake serious examination at ourselves and acknowledge that big changes need to happen.