re: How much would single payer cost?

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Medicare/Medicaid covers about 40% of Americans

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False.

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two programs together are more likely to rack up huge bills compared to the other 60%

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If you'd like to run a medicaid-for-all, have at it. Medicaid is cheaper. It fully covers about 15% of the population. It runs $462 Billion/yr. Excepting current VA, Medicare, and existing Medicaid, the additional cost would run about $2 trillion ($1.988 trillion).