I'm of similar opinion. Tying it to employer makes no sense in our current world. People change jobs all the time. And I've seen boardroom decisions where we decide not to cover a drug on insurance because only 1 person takes it and it is very expensive and we only employ 100 people. Meanwhile, we all know damn well exactly who that one person is. It's Pam down in Accounting, she's open with her battle with MS/Cancer/etc. And, that's not insurance! The fact that it's done by CIGNA/United/etc who has millions to spread it across and the risk should have been baked into the rates we already were paying. It's just maddening.

I had to get out of Healthcare altogether after COVID and the Boardroom conversations I was a part of. The worst was we wanted to close ICU's because uptick in nursing labor was making profit margins lower than usual, never mind the fact we had a ton of cash on the balance sheet the government had given us for emergency funds - I luckily was able to win that battle and we remained open - but yeah, hedge fund owned ICU's during a pandemic...