Forbes December 23, 2025
While Congress and President Trump debate how much the government should subsidize certain health insurance premiums, they are missing a far more important question: How can the U.S. rationalize our eight (at least) completely separate health insurance systems?
This maze-like complexity comes at a price. Dividing Americans into multiple risk pools increases health care costs. It means patients lose access to trusted providers. And it seems impossible to have an honest debate about a health insurance system that almost nobody understands.
Most other developed countries generally avoid this chaos. Some rely on government-run, single-payer systems while others use regulated private insurers. And we could have a healthy argument about which is best.
But over the past 80 years, the U.S....
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