I may have said this before, but strapping health care to employment just seems dumb. Why not tie it to toaster ownership, or much better, bicycle ownership? The system we have dates back around seventy years, grew in an ad hoc fashion and reflected the needs of the time. A sweeping overhaul could cut costs and improve service, but apparently we don't want to upset the apple cart. But who cares how apple carts feel and who gave them such power?
By the way, apple carts themselves, were a short lived phenomenon responding to an even earlier crisis about eighty years ago.