Great points. Thank you. Political will is killing universal healthcare in America.
Both parties are against universal healthcare in 2020 and so are Trump and Biden. The big money owns congress and the select proponents for universal healthcare are very few and only a small fraction of the democratic party.
Both parties know Americans are too stupid to catch on and catch up with the developed world. They can keep lying with faux incremental changes like ACA, Medicare Advantage, Public Option, and whatever other fake versions they can make up to keep supporting multi-payer, private sector funded, garbage systems because they know Americas are too stupid to dig into policy.
The truth is, "Medicare for all" isn't even needed, though it is legitimate universal healthcare. That's just America's name for what the developed world already has. The bottom line is this: No matter what it's called, it needs to be (1) publicly funded, (2) publicly administered, and (3) single-payer. These are the common denominators world wide and without all three requirements, you do not have universal healthcare. Call it what you want.
Democrats' ACA met just 1/3 of these requisites (only publicly administered). Democrats' continued push for "Public option" via Biden also meets just 1/3 of these requirements (only publicly administered). Medicare Advantage meets 1/3 of these requirements (only publicly administered). Need to meet all three requirements to be Universal Healthcare otherwise COST is never lowered to cover everyone. Just more ACCESS to overpriced garbage. Democrats have only wanted more access to unaffordable healthcare while republicans just want unaffordable healthcare. Same BS. Neither party has ever cared about lowering cost. Obamacare faked caring for lowered costs for its first 2 years, when subsidies were in effect, to try to enroll people then the predicted death spiral happened, after the 2 year subsidies ended, and providers left the exchanges when it suited them, jacking up costs further. But Obamacare was always doomed because it is a multi-payer system. Duping people in the first two years to enroll into Obamacare, when costs were lower with gov, subsidies in effect, was setting them up for when they pulled the rug out.
Medicare-for-All DOES meet all three requirements to lower costs that would make healthcare in America truly universal. Cost (developed world), not access (America), determines the universality of healthcare.
Insurance you can't afford (pushed by both parties in America) means you are uninsured in the real world should something happen. Then your real coverage kicks in. Go-fund-me. That's America's current universal plan.