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Deductibles. In-network. Out-of-network. Concierge medical services. Personal healthcare costs. Fixed payment. Shared insurance. Insurance consultants. Insurance brokers. Healthcare consultants. Affordable Care Act. HMO. PPO. Exclusive Provider Organization. Point of Service. High Deductible Health Plan. HSA. Flexible Spending Account. Health Reimbursement Arrangement. EOB. Consolidated Omnibus Budget Reconciliation Act. SHOP. Individual coverage. Dependent coverage. Insurance subsidies.

Confused? It's understandable. Who understands this complex system? Not the typical business owner. Neither the average worker. Choosing the right healthcare insurance for companies – or for our families – appears to require it requires advanced expertise in medical insurance.

The Healthcare System Is More Than Complicated, It Is Costly

Based on recent research, typical households pays $27,000 each year for their health insurance (increasing by 6% compared to last year). The average employer health insurance cost is projected to exceed $17,000 per employee in 2026, a 9.5% jump from 2025.

Currently the government is shut down because partisan disputes over tax credits which analysts predict could cause premium increases up to 100% for numerous US citizens.

When Will We Seriously Consider National Health Insurance?

When will we genuinely evaluate universal healthcare coverage in the United States? I have to believe we're getting closer since this situation is unsustainable.

I'm not suggesting national healthcare. I'm advocating that our already existing Medicare system – an insurance system – simply expand to cover everyone. The existing system remains intact. The way medical professionals receive payment would change. Believe me, they will adjust.

The Way National Health Insurance Could Function

Universal healthcare coverage would need payments from both employees and employers. In similar programs, a worker making moderate income pays approximately five point three percent to their healthcare. Their employer must contribute about thirteen point seventy-five percent.

Does this appear expensive? Unless you contrast it to what the typical American pays. I know dozens of businesses that are routinely paying between eight to fifteen percent of payroll costs for medical benefits. And keep in mind that with inclusive programs, those payments include pension plans, illness coverage, parental benefits and job loss protection along with supporting medical services. When you add those costs compared with our current spending on retirement programs, unemployment insurance and paid time off, the gap narrows.

Execution for America

For America, universal healthcare funding would increase our Medicare tax deduction, a system that is already in place. It ought to be income-adjusted – those at higher income levels would contribute higher amounts than lower-income earners. This includes both an employee and employer contribution. Similar to many federal military, technology, social programs and infrastructure, the program could be managed to third-party administrators instead of a government office.

Advantages for Entrepreneurs

A national health insurance program would be a huge benefit for entrepreneurs such as my company. It would put small companies in equal competition against big corporations that can pay for better plans. It would render management significantly simpler (a payroll deduction remitted like social security and healthcare taxes, instead of separate payments to benefit firms and coverage administrators).

It would make it easier to plan expenses our yearly costs, rather than going through the complicated (and fruitless) theater of bargaining with major insurers that we must do every year. Due to simplification, there would exist improved comprehension of coverage by our employees – as opposed to the current system which require them to decipher the complexities of existing plans. And there would definitely exist reduced responsibility for employers as we no longer have access to our employees' medical records for risk assessment and different options.

Free-Market Viewpoint

I'm as capitalist as possible. But I've learned that public institutions has a significant role in our lives, including national security to funding essential systems. Ensuring medical coverage to all via universal healthcare strengthens our economy's infrastructure. It represents superior, easier system for entrepreneurs that employ the majority of American employees and fund half of our GDP. It enables employees to enjoy better health, have better attendance and be more productive.

Addressing Concerns

Exist a million considerations I'm not addressing? Certainly. Given rising medical expenses we've seen 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 major reforms are easier to implement. However extending universal Medicare, even with the additional taxes required, would remain a superior and less expensive approach both for controlling healthcare costs and ensuring coverage to everyone.

Need for Honest Assessment

As Americans, we need to tone down national pride. Our healthcare system isn't so great. The US places significantly behind numerous nations with the best healthcare in the world, according to major studies. Perhaps a positive aspect in this present circumstances is that we undertake serious examination at ourselves and agree that major reforms need to happen.