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Deductibles. In-network. Non-preferred providers. Concierge medical services. Out-of-pocket expenses. Fixed payment. Shared insurance. Insurance consultants. Insurance brokers. Medical advisors. Affordable Care Act. Health Maintenance Organization. PPO. EPO. Point of Service. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. HRA. EOB. COBRA. SHOP. Single coverage. Dependent coverage. Premium tax credits.

Confused? It's understandable. Who comprehends all this stuff? Not the typical entrepreneur. Nor the typical worker. Selecting the appropriate medical coverage for our business – or for households – appears to require it requires a PhD in medical insurance.

The Healthcare System Is More Than Complex, It's Expensive

According to recent research, the average family spends $twenty-seven thousand each year for their health insurance (up 6% compared to last year). Typical employer health insurance cost is projected to exceed $17,000 per employee in 2026, an increase of 9.5% compared to 2025.

Now federal operations has ceased functioning because political disagreements over subsidies which analysts predict could cause a doubling of premiums for millions of Americans.

When Might We Truly Examine National Health Insurance?

When will we seriously consider a national health insurance program here in America? I have to believe we're getting closer since this can't continue.

I'm not proposing government-run medicine. I'm advocating for our current Medicare system – an insurance system – merely extend to cover everyone. Our infrastructure doesn't change. How medical professionals get paid changes. Believe me, they will adjust.

The Way Universal Coverage Would Work

Universal healthcare coverage would require contributions from employees and employers. In comparable systems, an employee earning moderate income pays approximately five point three percent toward medical coverage. The company pays about 13.75%.

Does this appear like a lot? Not if you contrast that with what average American pays. I can name dozens of businesses who are easily contributing between 8% to 15% of payroll costs to their healthcare costs. And keep in mind that with comprehensive systems, those payments also cover retirement benefits, illness coverage, parental benefits and job loss protection in addition to funding healthcare facilities. When you add these expenses compared with our current spending on retirement programs, unemployment insurance and vacation benefits, the difference decreases.

Implementation in the US

In the US, universal healthcare funding would raise our Medicare tax deduction, a system already established. It should be income-adjusted – those at higher income levels would contribute higher amounts than those earning less. This includes both worker and employer contribution. And, like much of federal defense, IT, social programs and infrastructure, the program could be managed to third-party administrators instead of federal agencies.

Advantages for Small Businesses

Universal healthcare coverage represents a huge benefit for entrepreneurs like mine. It would place small companies in equal competition with our larger competitors who can afford better plans. It would render management much easier (a payroll deduction processed similarly to retirement and Medicare taxes, instead of individual transactions to insurance companies and coverage administrators).

It would enable it easier to plan expenses annual expenditures, instead of enduring the complex (and ineffective) process of bargaining with major insurers that we must do each year. Due to simplification, there would exist improved comprehension of coverage by our employees – as opposed to existing arrangements where they have to interpret the complications of existing plans. Additionally there would definitely exist reduced responsibility for employers since we wouldn't have access to workers' health histories for risk assessment and different options.

Capitalist Perspective

I'm as pro-market as possible. But I've learned that government has a significant role in society, from providing defense to funding essential systems. Ensuring medical coverage for everyone via universal healthcare enhances economic foundations. It represents superior, simpler approach for small businesses that employ the majority of the country's workers and fund half the economic output. It enables for workers to enjoy better health, have better attendance and increase productivity.

Addressing Concerns

Are there numerous factors I'm not addressing? Certainly. But with all the healthcare cost increases we've seen recently, it's evident that current healthcare legislation isn't functioning very well. And I realize that we're not a small, Scandinavian country where big changes are easier to implement. But expanding Medicare for all, even with increased taxation required, would remain a superior and more affordable approach for not only managing medical expenses but providing access for all citizens.

Need for Realistic Evaluation

As Americans, must tone down national pride. America's medical care isn't so great. The US places significantly behind numerous nations with the best healthcare globally, based on major studies. Perhaps a positive aspect amid current situation could be that we undertake serious examination in the mirror and acknowledge that major reforms need to happen.