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Deductibles. In-network. Non-preferred providers. Premium health services. Personal healthcare costs. Fixed payment. Co-insurance. Insurance consultants. Insurance brokers. Healthcare consultants. ACA. Health Maintenance Organization. PPO. Exclusive Provider Organization. Point of Service. High Deductible Health Plan. Health Savings Account. Flexible Spending Account. HRA. Explanation of Benefits. COBRA. SHOP. Individual coverage. Family coverage. Insurance subsidies.

Baffled? It's understandable. Who comprehends all this stuff? Not the typical entrepreneur. Neither the average worker. Choosing the appropriate healthcare insurance for companies – or for our families – seems like it requires a PhD in medical insurance.

The Medical System Isn't Just Complex, It's Costly

According to recent research, the average family spends $27,000 each year for their health insurance (up 6% from last year). The average company healthcare expense is projected to surpass $17,000 per employee in 2026, an increase of 9.5% compared to 2025.

Now federal operations has ceased functioning because partisan disputes over subsidies that experts say could cause premium increases up to 100% for numerous US citizens.

When Will We Seriously Consider National Health Insurance?

How soon might we genuinely evaluate a national health insurance program here in America? I'm convinced we're approaching that point because this can't continue.

I'm not suggesting national healthcare. I'm proposing for our current Medicare program – an established insurance framework – simply expand to include all citizens. Our infrastructure remains intact. How our healthcare providers receive payment changes. Trust me, they will adjust.

The Way National Health Insurance Could Function

Universal healthcare coverage would need payments from employees and employers. In comparable systems, an employee earning average wages pays approximately 5.3% to their healthcare. The company pays approximately 13.75%.

Does this seem expensive? Not if you compare it to what the typical US resident spends. I know dozens of businesses who are routinely paying between 8% to 15% of payroll costs for medical benefits. Remember that in comprehensive systems, these contributions also cover pension plans, illness coverage, maternity leave and unemployment benefits in addition to funding medical services. When you add those costs versus our current spending for our retirement plans, job loss coverage and vacation benefits, the difference decreases.

Implementation for America

For America, a national health premium would raise our Medicare tax deduction, a system already established. It should be income-adjusted – wealthier individuals would contribute higher amounts than lower-income earners. There would be both an employee and company payments. Similar to much of our government's military, technology, welfare services and infrastructure, the program could be managed by private contractors instead of federal agencies.

Advantages for Entrepreneurs

A national health insurance program would be a huge benefit for entrepreneurs such as my company. It would place small companies in equal competition against big corporations who can afford superior coverage. It would render administration significantly simpler (automatic payroll withholding processed similarly to social security and healthcare taxes, instead of individual transactions to benefit firms and insurance providers).

It would make it easier to plan expenses our yearly costs, rather than enduring the complex (and fruitless) theater of negotiating with major insurers required annually every year. Due to simplification, there would be improved comprehension about benefits among workers – as opposed to the current system which require them to interpret the complexities of current options. And there would definitely exist less liability for companies since we wouldn't would be privy to workers' medical records for risk assessment and different options.

Capitalist Perspective

I'm as pro-market as they get. But I've learned that public institutions play important functions in our lives, including national security to funding needed infrastructure. Providing healthcare to all via universal healthcare enhances our economy's infrastructure. It's a better, simpler approach for entrepreneurs that employ the majority of the country's workers and generate half the economic output. It enables employees to enjoy better health, come to work more often and be more productive.

Addressing Concerns

Are there a million considerations I'm not addressing? Of course there are. Given rising medical expenses we've seen in recent years, it's evident that current healthcare legislation isn't functioning effectively. I understand that we're not a compact European nation where big changes can be readily adopted. But expanding Medicare for all, even with increased taxation that would be incurred, would remain a superior and more affordable approach both for managing medical expenses but providing access for all citizens.

Need for Honest Assessment

As Americans, we need to reduce our own arrogance. America's medical care isn't so great. The US places significantly behind numerous nations with the best healthcare globally, based on comprehensive research. Perhaps a bright spot in this current situation could be that we undertake serious examination at ourselves and agree that big changes are necessary.