No the original sin is healthcare is not respected as a market.

In the US you can't get lower tier quality for a lower price. Literally every other industry has this.

In Europe HC costs are going up as well so your argument is invalid.

You left out the third option: health insurance managed by the individual. Unfortunately has basically been eliminated as a choice by the ACA, as most of the affordable individual plans didn't qualify even if they were what the buyer wanted.

> The plus side is that your employer simply does not give a damn about your lifestyle choices.

Employers still want you to be healthy because they don't want you taking days off work sick. In-service death benefits from heart attacks or whatever could be hundreds of thousands of euros and they still pay them even if you have a national health service. It's probably cheaper to pay for a gym than sick days and in-death benefits.

You are partialy right, some employers will still care about your well being, but the point is that

1. Not all employers will care, and that fact alone gives you some choice.

2. Even employers that do care can only encourage you to live healty lifestyle but cannot punish you for not following their recomendations (financialy or otherwise)

Can we please not do this? There is no homogenized health insurance scheme across Europe. Switzerland has a different setup compared to Germany, which is different from France, which is different from the UK.

If you want to speak intelligently on the subject, identify a country and compare and contrast with the US.

They are the same for the purpose of the argument being made above.