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In reference to Paul Krugman’s column, “A safety net beyond health care”:

He states approximately 156 million people are insured at work and mostly satisfied with that insurance. I beg to differ.

In my 33-year work history, I have been covered under my husband’s work insurance and through my own employer.

In the 1980s, companies covered workers, spouses and dependents; then they did not cover spouses; and finally they did not cover dependents. Lately, coverage also requires coinsurance and/or deductibles.

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I see no reason why this trend will not keep worsening as rates keep rising beyond inflation rates.

Medicare has lower administrative costs than private insurers. Those getting insurance through employers or otherwise could get a savings if they all paid into Medicare instead. A Medicare payroll tax for the employee’s portion would also be more affordable as it is income-based.

If Medicare for All is not good enough, there could also be supplemental plans. To avoid quick disruption in the system, one could phase it in for age brackets, starting with people 60 years and over and incrementally cover everybody now insured otherwise.

Ruth Knagenhjelm, Normandy Park