There’s always a lot of talk about how we can’t afford Single-Payer Healthcare here in America, and how much our taxes would increase if we were to implement a Universal Healthcare System. I got tired of listening to people who probably haven’t performed any mathematical operations more involved than basic addition or subtraction since they reached adulthood. I decided it was worthwhile to examine three countries that do provide for their citizens: Denmark, Canada, and the UK, to see how they compare to us here.

For the sake of simplicity, despite it making the whole process far more complicated for me, I’ve taken the liberty of converting all currencies to USD based on the conversion rates as they were today.

In Denmark, there is no Federal Tax on the first $8,080 an individual earns. From $8,080 to $94,224, there is a 12% Federal Tax rate. Anything above $94,224 is taxed at a rate of 15%.

If someone were to earn a hypothetical annual income of $150,000, they would face a total Federal Tax burden of $18,673.68, leaving them with $131,326.32 of their income.

There’s also a Municipal Tax rate that falls between 22 and 27% on all income. At the highest rate, it would decrease the remaining amount to $95.858.49. This means they pay a total of $54,141.51 in taxes on an annual income of $150,000. At the lower rate of 22%, it amounts to a grand total of $51,673.68 they’d pay.

In America, an individual is looking at a tax rate of 10% on the first $11,925. They pay 12% on everything earned between $11,925 and $48,475, 22% from that amount to $103,350, and 24% up to $197,300. So, the same person earning $150,000 in the United States would have a Federal Tax burden of $28,847, which is substantially higher than the federal taxes paid in Denmark.

To factor in municipal taxes, the closest comparison is to consider state income taxes, where applicable.

In the eight states where there is no State Income Tax, that $28,847 is all the individual pays, based on their annual wage. Most of us, of course, live in the 42 states where there’s an income tax levied on an individual’s wages.

Fourteen of those states have a single rate applied to all income, as opposed to a progressive system like we have at the federal level. Arizona is 2.5%, Colorado and Mississippi are 4.4%, Georgia is 5.39%, Idaho is 5.695%, Illinois is 4.95%, Indiana and Louisiana are 3%, Iowa is 3.8%, Kentucky is 4%, Michigan and North Carolina are 4.25%, and Pennsylvania is 3.07%.

In Arizona, the individual would pay an additional $3,750, and in Idaho, they would pay $8,542.50 in addition to the $28,847 they’re paying in Federal Income Tax. The larger amount is $38,389.50, so an individual living in Idaho would pay only $15,752.01 less in state and federal taxes than someone living in Denmark, on the same $150,000.

For states with progressive tax rates, you could be facing a maximum rate of 5% in Alabama and Massachusetts, 3.9% in Arkansas, 9.3% in California, 6% in Connecticut, 6.6% in Delaware, 7.9% in Hawaii, 5.58% in Kansas, 7.15% in Maine, 5.25% in Maryland, 7.85% in Minnesota, 4.7% in Missouri, 5.9% in Montana, 5.2% in Nebraska, 6.37% in New Jersey, 4.9% in New Mexico, 6% in New York, 1.95% in North Dakota, 3.5% in Ohio, 4.75% in Oklahoma and Rhode Island, 9.9% in Oregon, 6.2% in South Carolina, 7.6% in Vermont, 5.75% in Virginia, 4.82% in West Virginia, 5.3% in Wisconsin, and 8.5% in the District of Columbia.

For someone in North Dakota, that would translate into a total State Income Tax of $2,925, while in Oregon, it would come to $12,894.50 above the federal taxes collected, or a total tax burden of $41,741.50. This is only $12,400.01 below the maximum federal and municipal tax burden on the same income in Denmark.

We already know that taxes are higher in Denmark than in the U.S.. That comes as no surprise. But now we understand what the difference is, instead of imagining some abstract higher dollar value. So, let’s take a look at two other nations with universal healthcare.

Canadian federal taxes are 15% up to $41,883.75, 20.5% from there to $83,767.50, 26% up to $129,853.86 and 29% up to $184,992.22. The same $150,000 annual salary would lead to a total of $32,693.57 in federal taxes.

The individual provinces have their own tax rates, of course. The highest rate you’d experience at that salary would be in Nova Scotia, which is 21% on anything over $112,894.50. The lowest would be Nunavut, which has a rate of 11.5% on any income above $129,853.13. Looking at the highest rate, you’d be looking at an additional $24,829.79 beyond the $32,693.57 in federal tax, for a total of $57,523.36, which is moderately higher than the highest burden you’d encounter in Denmark.

In the UK, there is no tax burden up to the first $17,220.90. We’re looking at 20% from there until $68,869.90, and 40% up to $171,441.80. So for the same income of $150,000, you’d pay a total of $42,781.84 in federal taxes. You’d also be responsible for National Insurance Tax of 8% on earnings from $17,220.90 to $68,869.90, and 2% on earnings above that. Thus, you’d be paying an additional $5,754.52 on top of the $42,781.84, for a grand total of $48,536.36, which is lower than in both Canada and Denmark, but still slightly higher than the previous examples of Idaho or Oregon.

Of course, in Denmark, Canada, and the UK, you benefit from Single-Payer Healthcare along with those higher tax burdens; burdens that may not be quite as comparatively high as people in the U.S. often imagine them to be. Those increased taxes are largely offset by what we pay for our Insurance Premiums, even with employer-provided insurance.

The cost of individual Health Insurance Premiums in the U.S. can average anywhere from as little as $1,368 to as much as $8,951 per year, and family coverage is often dramatically higher. None of that even factors in the Out-Of-Pocket expenses for care and medication or multi-thousand-dollar deductibles we’re responsible for, before Health Insurance provides any assistance at all. For example, I have comparably fantastic Health Insurance through my employer. The Deductible for my Family Coverage is $3,300 annually, with an Out-Of-Pocket Maximum of $7,500. God forbid we have to find help Out-Of-Network, though, because the Deductible there is $10,000. Halfway through July, my Insurance Premium has cost me $1,491. It’s worth noting that this is entirely separate from Dental and Vision Insurance. To put all of that in perspective, that means that, in addition to the $1,491 I’ve paid just for the privilege of having Health Insurance, I also have to pay $3,300 Out-Of-Pocket before Insurance begins contributing to further Medical Care or Mental Health expenses. Until I’ve paid $7,500 Out-Of-Pocket, all my Health Insurance will contribute is a percentage toward those costs. I want to remind you that I have exceptionally affordable Health Insurance compared to many people I know.

All of this is brokered through Insurance Companies that receive massive Subsidies from the tax dollars we’re already paying. Companies that actually increase the cost of healthcare in the process. UnitedHealth Group, made famous by Luigi Mangioni, is a perfect example of this.

UnitedHealth Group raked in $372 Billion in 2023, $281 Billion of that revenue from the insurance division headed by Brian Thompson, the man killed on a New York City street by Mangioni. Only two years earlier, UnitedHealth’s insurance division obtained 72% of its revenue from Federal Subsidies, and it can only be assumed that the percentage increased by 2023. In 2024, the Federal Government spent between $1.7 and $1.9 Trillion on Healthcare Subsidies. All of this is money paid out to an industry of middlemen who have inserted themselves between people and their healthcare providers, while making massive profits in the process. In contrast, the UK spent approximately $353.5 Billion on healthcare in 2024. That is less than 19% of U.S. spending. Of course, the population of the UK is just shy of 70 Million, roughly 20% of the U.S. population of nearly 350 Million. What that means is that the Per Capita spending is virtually the same, though actually lower for the UK…but the majority of U.S. taxpayers see none of the benefits associated with that health spending. Looking at those numbers, it makes me wonder why there would even be a need to increase Income Tax rates if we weren’t propping up a parasitic and unnecessary industry in the process.

Or is it simply that the UK and other nations are better equipped to efficiently provide for their citizens than the U.S. happens to be? I’m willing to admit that we’re just not very good at doing things efficiently or effectively. I think there’s more than sufficient evidence to reinforce that perspective.

Beyond purely financial considerations, Single-Payer systems are far less likely to deny service, and when it does happen, it is typically an administrative error. Whereas, here in America, it’s a cost-saving measure on the part of the provider to maintain its profit margins.

And, the real kicker, if you don’t receive at least your premium costs in coverage from your insurer (and most people don’t), that money gets spread around to everyone else covered by the same insurance provider and to the people working there, leading to massive profits for the corporations in question and CEO salaries that can reach as high as $23 Million in total compensation. For example, even though I have reached my Deductible of $3,300 for the year, my Insurance Company is highly unlikely to pay out even the $1,491 I’ve paid so far in Premiums for their percentage of the payments before the new annual cycle begins.

Of course, none of this even takes into consideration the portion of my Premium that’s paid by my employer, which has reached almost $8,000 so far this year. So, even if my Insurance Company somehow ends up paying out $5,000 for their part of my Healthcare expenses, they’ve already got $4,419 lining their pockets without either me or my employer paying another dime toward the Premiums. I don’t get that money back. My employer certainly doesn’t receive the excess back at the end of the year either. Have you ever looked at your paychecks and calculated how much free money you and your employer are handing over to an Insurance Company that (as a policy) does whatever it can to avoid helping you? Now, take a moment to consider that all of the money coming in from people like you adds up to maybe a quarter of what the Insurance Company has for revenue.

But, of course, it’s “Socialism” if your Tax Dollars provide Single-Payer Health Coverage for every Citizen in the U.S.. But if your money is distributed between the thousands of people with the same insurer (while lining the pockets of the obscenely wealthy), then it’s an entirely different sort of thing. It’s “Socialism” even though it’s a Public Service provided by the Capitalist Governments of essentially every other Civilized Nation in the world, as well as several that we consider less than “First World” countries.

One additional benefit worth noting is that public universities cap most tuition at less than $13,000 per year in the UK. Canadians can expect an average annual tuition of under $4,800, and college tuition is not charged at all in Denmark. Whereas in the U.S., In-State tuition averages roughly $11,000 per year (ranging from less than $7k in Florida or Wyoming to more than $20k in Connecticut or Pennsylvania), and Out-Of-State tuition explodes to an average of around $30,000 (from less than $13k in South Dakota to more than $60k in Michigan).

Which is to say that you can be both healthier and better well-educated at substantially less cost in those nations, even when you factor in the increased tax burdens. Of course, as I pointed out already, there’s no reason to raise the taxes individuals pay in the U.S. if we were more efficiently utilizing the slightly higher amount the U.S. already pays Per Capita for Healthcare Subsidies than the government of the UK.

Don’t let idiots and fear-mongers influence you. None of the nations discussed are “Socialist” countries. They just take the role of government more seriously, providing for the public good.

It might also be worth noting that, in 2023, UnitedHealth Group donated $792,500 via PAC contributions to federal political campaigns. Roughly 54% of those PAC contributions went to Republican candidates and 45% went to Democrats.

It also spent an even more substantial amount of PAC funds on In-State campaigns all across the U.S.. This was divided up between individual candidates, party contributions, and ballot measures.

And, in 2024, UnitedHealth Group (according to its filing with the U.S. Senate) dedicated $6.85 Million toward lobbying efforts, above and beyond Millions in PAC spending. Think about that for just a moment. This Corporation receives most of its revenue from Federal Subsidies. And then it spends a small portion of that revenue to support the campaigns and political parties that ensure it keeps getting that money.

It’s easy to spend that kind of money when a company brings in a net income of $14.4 Billion (which was UnitedHealth’s lowest profit margin since 2019), a number heavily impacted by the Billions they spent recovering from a cyberattack on one of their claims processing subsidiaries. With everything adjusted accordingly, they proudly claimed a record high profit of $25.7 Billion for last year.

Spending $6.85 Million through lobbyists and millions more through PAC contributions isn’t a challenge when you have that kind of profit involved. The amount spent on corporate lobbying was, after all, only 0.048% of the net profit.

Of course, UnitedHealth Group has already dedicated $3.37 Million toward lobbying efforts so far in 2025, so they’re hardly skimping on graft despite it not being an election year.

While the industry rakes in massive profits, it’s happy to return the favor by lining the pockets of politicians and political parties across the political spectrum, all to ensure it has its interests taken care of.

If you can look at this and think it’s fine, while Single-Payer Healthcare would be too costly, you’re not only missing the point, but you’re being intellectually dishonest.