People are fed up with the U.S. health care system, and rightfully so. Medical premiums and debt are rising, clinicians are burned out, and patients have less access to care. As another election approaches, these conditions are building up, just waiting to ignite change like wildfire.
Is the solution Medicare for All? It remains a bumper-sticker topic in several local congressional races. This is somewhat unsurprising, given that many Democrats think it’s the answer and even some Republicans support it. But when it comes to politics, slogans tend to leave out nuances.
So I called Hayden Rooke-Ley, a professor of health policy and lawyer, to join me and weigh in on the practicalities of what could be the biggest change in health care since the passage of Medicare and Medicaid in 1965.
Can we actually afford Medicare for All?
This is the first question everyone asks. And the answer is yes.
The U.S. currently spends more on health care than any other country, with private insurance driving the highest costs. That’s why most experts think Medicare for All would lower overall healthcare spending.
But what society can afford differs from government financing. Fully funding this without going into debt requires significant new taxes. Convincing Americans to send more money to the IRS is a hard sell, even if the argument is that they’d stop sending money to insurance companies.
That said, when you tally it all up, roughly 70% of the U.S. health care system is already financed by taxpayer money. So the real question is less about whether we want taxpayers financing the health care system. We largely already do that. It’s more about how we want to do it.
Would it even look like “Medicare”?
Since the early 2000s, Medicare has been divided into the traditional government program (Original Medicare) and Medicare Advantage. Advantage plans offer the same benefits as Original Medicare plus extras like drug, dental, or vision coverage, but this privatization is known to cost taxpayers an additional $100 billion (!) a year. Meanwhile, seniors on Original Medicare need to buy a separate private plan for any extra coverage.
Medicare has other issues. It leads to overpaying specialists, subsidizing large corporate hospital systems, and leaving drug price negotiation to private plans and pharmacy benefit managers (PBMs).
Medicare for All advocates envision a single, all-inclusive plan with no extra fees or private insurance. This would replace all current programs and set new federal rules for taxes and coverage, making it a way bigger change than just expanding Medicare as it is now.
Would it fix the “broken” fee-for-service system?
U.S. health policy has long viewed high health care costs as the result of overutilization due to the fee-for-service model, where clinicians are paid per test or procedure. This has led to cost-containment measures that reduce use of services, like high deductibles, hospital and insurer consolidations, and prior authorization requirements.
But Americans don’t generally use more health care than people in other wealthy countries. In areas such as primary care, they may even use too little. The bigger reasons U.S. health care costs so much are higher prices for care, high billing and insurance overhead, and spending on costly drugs and treatments that offer little added benefit.
So rather than identifying the problem as fee-for-service and trying to manage utilization, Medicare for All would attack the core drivers of high costs head-on—mainly the prices and the administrative bloat. It’s a very different approach to cost containment.
Could it help small doctors’ offices?
It could.
This part doesn’t get talked about much. Big hospital chains and private equity rollups can charge insurers more than small medical practices can. That’s due to their negotiating power, not the delivery of better care, which forces small clinics to sell to larger chains.
If everyone had the same government insurance with the same set prices, that advantage would disappear. Small, independent clinics could survive without needing to merge into giant systems. Providers would compete instead on quality of care.
This doesn’t mean that corporate health care goes away overnight. Some Medicare for All proposals ban for-profit facilities like hospitals, but many nonprofits have become corporate. This means we need policies to regulate their governance and accountability, regardless of future reforms.
What about rationing and waiting in line for care?
People often say, “if we get government health care, we’ll have to wait forever for treatment, like in other countries.”
Is that true? Not really. U.S. wait times for primary care are longer than in peer countries, on average. While specialty care may take longer elsewhere, access also varies. U.S. access to specialists is quicker than in Canada, but Germany and France have shorter wait times for elective surgery and specialty care. Overall, Americans have the worst access to care among 10 peer nations.
Medicare for All could improve access to care, depending on its goals. Wait times are policy decisions.
But more so, Medicare for All tries to address rationing of access that already exists within the system. Medicaid pays providers much less than private insurance, so fewer doctors accept it, and 27 million Americans remain uninsured. In rural areas, sparse or spread-out populations can make hospitals and clinics financially difficult to sustain, leaving residents with fewer local care options.
High deductibles and copays can lead even insured people to skip unaffordable care. This gets worse every time employer health care costs go up: rising premiums are a flat, regressive tax, eating disproportionately into the wages of lower-income workers.
Medicare for All tries to address these access problems by covering everyone, making care free (or very cheap), and making everyone “worth” the same to providers.
It’s still only a piece of the puzzle.
Medicare for All would certainly be transformative, but changing insurance financing by itself won’t address many of the system’s issues, such as primary care shortages, medical school debt, financialization throughout the system, and much, much more.
And those are just the concerns in the medical system. We know that most of what affects health actually occurs outside of the exam room. That gets into the realm of public health and how our society tackles issues like poverty, education, and access to resources.
But here, Medicare for All plays an underappreciated role because it provides a mechanism for weighing priorities democratically. It allows us to decide whether to allocate more funds to health care versus social programs, for example, and creates a unified budget that we can titrate accordingly.
Bottom line
The U.S. needs solutions to its ridiculous health care costs. No solution will be easy, and no solution will fix it all. Whether the current health care landscape will reach a breaking point that makes Medicare for All a politically viable option at the federal level remains to be seen.
But it does feel like this country is at its tipping point. About time.
Love, YLE and HR-L
Hayden Rooke-Ley, JD, is Assistant Professor at the Brown University School of Public Health. His scholarship focuses on corporate consolidation in health care, Medicare and Medicaid financing, and labor and workforce issues in the health sector. He has published in leading journals, including the New England Journal of Medicine and Journal of the American Medical Association (JAMA), and he advises state and federal policymakers, enforcement agencies, and other health care stakeholders. He is a licensed attorney in Oregon and earned his JD from Stanford Law. His work can be found on X and LinkedIn.
Your Local Epidemiologist (YLE) comprises a team of experts, ranging from physicians to immunologists to epidemiologists to nutritionists, working together with one goal: to “translate” ever-evolving public health science so that people are well-equipped to make evidence-based decisions. The YLE suite of newsletters reaches over 475,000 people across more than 132 countries. This newsletter is free to everyone, thanks to the generous support of fellow YLE community members. To support the effort, subscribe or upgrade below:





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