I Might Be Wrong

I Might Be Wrong

Does the U.S. Already Have Universal Health Insurance?

The answer is “sorta almost”

Jeff Maurer's avatar
Jeff Maurer
Sep 04, 2026
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In lefty circles, “Medicare for All” is often treated as a synonym for “universal health insurance”. But the phrases are different; M4A is one type of universal coverage, and conflating the two is like saying “Ferrari” when you mean “micropenis compensation device”. Contrary to what some people think, there is not one health insurance system used by every advanced country except the US; other countries achieve close-to-universal coverage1 through various combinations of public insurance, private insurance, regulation, and Dutchness.

About eight percent of Americans don’t have health insurance. Obamacare cut the number of uninsured almost in half, but the eight percent figure has held remarkably steady for several years. According to Twitter accounts with a red rose and a Palestinian flag next to their name — my #1 source of news — the existence of that eight percent represents a profound failure of the American system. And there’s some agreement here: I would like 100 percent of Americans to have health insurance. If I were in charge, I’d make big changes, and only most of them would involve getting other people to bankroll my shit. But even while acknowledging that it would be better if more American had health insurance, a closer look at the eight percent of uninsured Americans reveals that not every uninsured person is a destitute peasant being ground to dust by capitalism. In fact, you could argue that we kinda, sorta already have something close to universal coverage.

This chart from KFF tells us who the eight percent of insured Americans are:

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