Medicare for All is the most cost effective and fair and equitable health program. It will be cheaper for the recipients and save the government billions of dollars. A truly universal program could incorporate all the disparate suppliers: Medicare, Medicaid, the VA, the Federal Employees health benefit program, Tricare, etc. Payment should be on an income based scale with no payment for family income below a given amount. The insurance industry should have no role in it except perhaps for record keeping.