Comment by sbalough
1 year ago
If we had more insurance companies instead of a few that dominate the market, then your employer would have more choices. More competing insurance cos would lead some to differentiate by having a reputation of honest claim handling while also not being the most expensive option. It would then at least be possible for an employer to choose better insurance companies.
Why should your employer be the buyer? It's just a way of chaining people to specific jobs. I'm constantly perplexed by people's eagerness to rationalize the structure of an obviously dysfunctional ysstem.
I think that's a valid and even __good__ question.
The historical reason for why it's tied to specific jobs is because salaries couldn't raise for a period of time in US history and so jobs started offering other perks, like paying for all or most of your health insurance.
Now, companies get group discounts and still (often) pay meaningful percentages of many employees healthcare, and so getting private insurance is a nonstarter.