You're right that employer-based health insurance is idiotic and economically destructive (conservative and libertarian analysts have been saying so for decades), but your blatant partisanship is not helpful. In 2008 John McCain's platform included a migration away from employer coverage by treating benefits as taxable income, while simultaneously granting a refundable tax credit for the purchase of individual insurance. Obama and the Democrats instantly demagogued that as "taking away your existing coverage" and defended the employer-based system.