> Tying health care to employment is a historical accident long overdue for change.

Ironically, it came about because of wage freezes imposed by the government during WW2. Employers had to find something to offer to attract workers, and employer-paid insurance did the trick.

The trap, though, was that employer paid insurance was paid with pre-tax dollars, while if you bought it yourself you'd pay in post-tax dollars, making it far more expensive.

Also adverse selection. Healthy people are tempted to only pay for catastrophic or no coverage, so a lot of individual policy buyers are sicker than the average employee in a group policy (because large companies cover everyone).

That's an interesting tidbit of history. Thanks

> Tying health care to employment is a historical accident long overdue for change.

This, 100%. It wouldn't solve everything, but it'd be a huge positive step to roll back tax incentives that encourage this.