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Deductibles. Preferred providers. Out-of-network. Concierge medical services. Out-of-pocket expenses. Fixed payment. Co-insurance. Insurance consultants. Coverage agents. Medical advisors. Affordable Care Act. Health Maintenance Organization. PPO. EPO. POS. HDHP. Health Savings Account. FSA. Health Reimbursement Arrangement. Explanation of Benefits. Consolidated Omnibus Budget Reconciliation Act. SHOP. Individual coverage. Family coverage. Premium tax credits.

Confused? It's understandable. Who comprehends this complex system? Certainly not the average entrepreneur. Neither the average employee. Selecting the right healthcare insurance for companies – or for households – seems like it requires a PhD in medical insurance.

The Medical System Is More Than Complex, It Is Expensive

Based on recent research, typical households pays $twenty-seven thousand annually for their health insurance (increasing by 6% from last year). Typical company healthcare expense is projected to surpass $17,000 per employee in 2026, a 9.5% jump compared to 2025.

Now federal operations has ceased functioning because partisan disputes over subsidies that experts say could cause a doubling of premiums for millions of Americans.

When Might We Truly Examine National Health Insurance?

When will 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 suggesting government-run medicine. I'm proposing for our current Medicare system – an insurance system – simply expand to cover everyone. Our infrastructure doesn't change. The way medical professionals receive payment changes. Trust me, they'll adapt.

How National Health Insurance Would Work

Universal healthcare coverage would require payments from both employees and employers. In comparable systems, a worker earning moderate income pays approximately five point three percent to their healthcare. The company pays about thirteen point seventy-five percent.

Does this appear expensive? Unless you contrast it to what average American pays. I can name multiple clients that are routinely paying anywhere from eight to fifteen percent of payroll costs for medical benefits. And keep in mind that with comprehensive systems, these contributions include pension plans, illness coverage, maternity leave and unemployment benefits in addition to funding healthcare facilities. When you add these expenses versus our current spending on retirement programs, job loss coverage and vacation benefits, the gap narrows.

Implementation for America

In the US, universal healthcare funding would increase existing Medicare taxes, a system that is already in place. It ought to be income-adjusted – wealthier individuals would contribute higher amounts than lower-income earners. This includes both an employee and company payments. And, like many federal military, technology, welfare services and transportation services, the program should be outsourced by private contractors instead of federal agencies.

Benefits for Entrepreneurs

A national health insurance program represents a huge benefit for entrepreneurs such as my company. It would put small companies in equal competition with our larger competitors who can afford superior coverage. It would make management much easier (automatic payroll withholding remitted like retirement and Medicare taxes, rather than individual transactions to benefit firms and insurance providers).

It would enable it easier for us to budget our yearly costs, instead of enduring the complex (and ineffective) process of negotiating with the big insurance providers 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 complexities of current options. And there would definitely exist reduced responsibility for companies as we no longer would be privy to workers' health histories for weighing risks and alternative plans.

Capitalist Perspective

I'm as capitalist as possible. But I've learned that public institutions play important functions in society, from providing defense to supporting needed infrastructure. Providing healthcare to all through a national insurance system enhances economic foundations. It represents superior, simpler approach for small businesses which hire more than half of American employees and fund half of our GDP. It makes it possible 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 all the healthcare cost increases we've seen in recent years, it's evident that current healthcare legislation isn't functioning very well. I understand that we're not a small, Scandinavian country where big changes are easier to implement. But expanding universal Medicare, despite increased taxation that would be incurred, would remain a superior and less expensive approach for not only controlling healthcare costs but providing access for all citizens.

Need for Honest Assessment

As Americans, we need to tone down our own arrogance. Our healthcare system isn't so great. We rank well below many other countries in healthcare quality in the world, according to major studies. Perhaps a bright spot amid current situation could be that we take serious examination in the mirror and agree that major reforms are necessary.