Medicare now works reasonably well, and premiums are charged on an individual basis. Without disrupting any of the current employer provided health care contracts, offer Medicare to everyone by slowly reducing the age for eligibility by five years every year. At the same time, with appropriate financial adjustments for age, expand the newborn contracts by five years of age every year and offer to cover older children and millennials with their understanding that every year they reject coverage, their individual premiums will increase when they eventually seek coverage. By the end of seven years, every U.S. citizen would be covered by the newly created infant policy, Medicare or a corporate sponsored policy. Ultimately Medicare and the corporate policies disappear as citizens retire and die, and in one generation newborn NGO universal health care becomes the remaining coverage. During the seven-year start-up period, cover all insurance company losses under Obamacare era exchanges to prevent loss of coverage.