Sorry, Bernie, but most Americans like their health insurance the way it is

The 2020 presidential race looks increasingly like it will be the Medicare-for-all election, as an increasing number of Democratic primary candidates -- including front-runners such as Sens. Kamala D. Harris, D-Calif., and Bernie Sanders, I-Vt., -- sign on to the slogan. The policy ought to be an easy sell, given that Medicare polls so well and American insurers so badly.

Except no, it's not going to be easy at all -- at least not when vague talk about Medicare-for-all turns to the specifics of a system that could rationalize the myriad insanities of the fragmented U.S. health-care system and get a handle on its exorbitant costs. That would inevitably mean bulldozing most private insurance to build something simpler and more straightforward. Unfortunately, people are actually pretty attached to their own little corner of the country's collective disaster.

No, really. You wouldn't know it to read most of the news coverage, or to listen to politicians, but that is one of the more consistent results in health-care polling: Over and over again, roughly 7 out of every 10 Americans report that they're fairly satisfied with the quality of their personal coverage.

If that's surprising, it's because most Americans aren't nearly so sanguine about (BEG ITAL)everyone else's(END ITAL) coverage. Only about a third of people say the general quality of health-care coverage in America is good, and this worries them a great deal. But they tend to think that they themselves are doing just fine. Arguably, the reason they hate the system so much is that they're fond of their own coverage and fear losing it.

It's nice, of course, that most Americans are reasonably happy with their insurance. However, if you agree with them that the health-care system desperately needs a gut renovation, their satisfaction is something of a problem.

Consider the political explosion when the Affordable Care Act went into effect, and a relatively small number of people lost their insurance plans. In vain did the Obama administration shout that the old insurance was "junk" and consumers would like the new plans much better; livid citizens stormed the offices of their nearest representative. Within weeks, the administration was scrambling to allow existing insurance to continue under Obamacare, and President Barack Obama was forced to apologize.

Now consider trying to repeat that stunt with the 49% of the population that has employer-sponsored health insurance. The new program might be an improvement, but the only way to find out would be for people to give up something they know they like. That's a big ask about something as important to people as their health insurance.

Which almost certainly rules out sweeping health-care reform, whether it's Medicare-for-all or a center-right plan such as Universal Catastrophic Coverage. To be politically viable, any reform must guarantee that people will have the option of keeping what they already have.

A system designed with that heavy constraint will end up looking like ... well, a lot like Obamacare -- an inefficient, jerry-built mess that may fill in some gaps but won't address the health-care system's fundamental problems.

The advocates of Medicare-for-all have a ready retort: Other countries seem to have managed all right, so it must be possible here. But most of those countries' systems started a long time ago, when health care was a much smaller share of the economy and fewer people had robust, comprehensive private medical insurance.

For example, when Britain's National Health Service was established in 1948, health-care spending was less than 2% of gross domestic product, and many people simply couldn't afford to see a doctor. That meant that the tax bill for universal coverage was relatively modest. But perhaps more important, for both doctors and patients, the program offered an almost pure gain. Doctors could keep seeing private patients who wanted to pay extra for faster personal service. But they could also collect a salary from the NHS for seeing patients who previously couldn't have afforded them. It was win-win.

For the United States to do the same thing, the cost would at a minimum increase the federal budget by more than half again. And that would be political child's play compared with the task of telling more than 100 million Americans that their current insurance is being canceled.

That isn’t going to happen. Bernie Sanders, or some other Democratic presidential candidate, may well get elected promising Medicare-for-all. And a Democrat-controlled Congress might even pass something under that name. But in the end, there are just too many Democrats in swing districts for the party to take a suicidal charge at employer-sponsored insurance. More likely is Medicare-for-some -- and once voters get a look at the price tag, even that seems doubtful.

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