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Deductibles. In-network. Non-preferred providers. Premium health services. Personal healthcare costs. Fixed payment. Shared insurance. Insurance consultants. Insurance brokers. Medical advisors. ACA. Health Maintenance Organization. PPO. EPO. Point of Service. HDHP. HSA. Flexible Spending Account. HRA. EOB. COBRA. SHOP. Individual coverage. Family coverage. Insurance subsidies.

Confused? You should be. Who comprehends this complex system? Not the typical entrepreneur. Neither the average employee. Selecting the right healthcare insurance for our business – or for households – appears to require it requires advanced expertise in healthcare.

The Medical System Is More Than Complicated, It Is Expensive

Based on a recent study, typical households spends $twenty-seven thousand annually on medical coverage (up 6% from last year). The average company healthcare expense is expected to exceed $17,000 per employee in 2026, an increase of 9.5% compared to 2025.

Currently federal operations has ceased functioning because political disagreements regarding subsidies which analysts predict could cause premium increases up to 100% for millions of Americans.

When Will We Seriously Consider Universal Healthcare?

When will we genuinely evaluate a national health insurance program here in America? I'm convinced we're approaching that point since this can't continue.

I'm not suggesting government-run medicine. I'm proposing for our current Medicare program – an established insurance framework – merely extend to cover everyone. Our infrastructure doesn't change. The way our healthcare providers receive payment would change. Trust me, they will adjust.

The Way Universal Coverage Would Work

A national health insurance program would require payments from both employees and employers. In comparable systems, a worker making average wages must contribute approximately five point three percent to their healthcare. The company must contribute approximately thirteen point seventy-five percent.

Does this seem expensive? Unless you compare it to what the typical American pays. I can name multiple clients that are easily contributing between eight to fifteen percent of payroll costs for medical benefits. And keep in mind that in comprehensive systems, those payments include pension plans, illness coverage, maternity leave and job loss protection in addition to supporting medical services. When including these expenses compared with what we pay on retirement programs, unemployment insurance and vacation benefits, the gap narrows.

Execution for America

For America, a national health premium would raise our Medicare tax deduction, a framework already established. It should be income-adjusted – wealthier individuals would contribute higher amounts than those earning less. This includes both worker and company payments. And, like many our government's military, IT, welfare services and transportation services, the program should be outsourced by private contractors instead of a government office.

Benefits for Entrepreneurs

A national health insurance program would be a significant advantage for entrepreneurs such as my company. It would put us on a level playing field against big corporations that can pay for better plans. It would render management much easier (automatic payroll withholding processed similarly to social security and Medicare taxes, instead of individual transactions to insurance companies and coverage administrators).

It would make simpler to plan expenses our yearly costs, instead of enduring the complicated (and ineffective) theater of bargaining with major insurers that we must do every year. Due to simplification, there would exist a better understanding about benefits among workers – as opposed to the current system where they have to decipher the complexities of current options. And there would certainly be less liability for employers since we wouldn't have access to workers' health histories for purposes of weighing risks and alternative plans.

Free-Market Viewpoint

I'm as capitalist as they get. But I've learned that government play important functions in society, including national security to supporting needed infrastructure. Ensuring medical coverage to all through a national insurance system strengthens economic foundations. It represents superior, simpler approach for small businesses which hire the majority of the country's workers and fund half of our GDP. It enables for workers to be healthier, have better attendance and increase productivity.

Considering Challenges

Are there a million considerations I'm not addressing? Of course there are. Given rising medical expenses experienced in recent years, it's evident that the Affordable Care Act isn't functioning very well. I understand that America isn't a small, Scandinavian country where big changes are easier to implement. But expanding Medicare for all, even with increased taxation required, would remain a better and more affordable approach for not only managing medical expenses and ensuring coverage to everyone.

Time for Honest Assessment

As Americans, must reduce our own arrogance. America's medical care isn't so great. We rank well below numerous nations with the best healthcare globally, according to major studies. Maybe one bright spot in this present circumstances is that we take a hard look at ourselves and agree that big changes need to happen.