Medicare for All or Some?

Progressives are pushing the Democratic Party to embrace a universal single-payer health care system, what is being called Medicare For All.  But is that the best way to proceed for the American people?

I am in favor of a universal single-payer system in the United States.  Where every person is covered, where there are no deductibles, where there are only reasonable copays.  

But there are serious problems with the attempt to pass a Medicare For All plan now.  How would the transition be handled?  What happens to all the insurance companies and their employees?  

And there is the fact that many people do not want to be forced to change the insurance they have now.  Obamacare had major shortcomings, so many are not confident about the government’s ability to run a plan.  Even most people on Medicare do not experience a government run plan.  They have a Medicare Advantage plan run by a private insurance company that beefs up the coverage provided by “pure” Medicare.

So I don’t think the ground work is there for a Medicare For All plan now.  Instead, I would suggest going back to Obama’s idea and have Medicare For All as an option in the insurance marketplace.  Let people choose.

At the same time, improve Obamacare by finding ways to reduce the horrendous deductibles and co-insurance that people who buy the lower cost plans have to pay.  Even with the maximum out-of-pocket built into these plans, a serious illness would bankrupt many a family.

This approach would do two things.  It would enable people to compare and choose the Medicare For All option.  The ability to choose is critical.  The second is that it would give lower income Americans who do not have employer plans more affordable health care, whether through the private option or the public option.  And it would not disrupt the lives of all the people who work in the insurance industry.