Is it time to separate health insurance from the employer's responsibility?

Bernie Sanders is almost dead

of all things for our government to subsidise, it should be health insurance. Problem is, there are no restraints on the system and the greed involved from drug companies, doctors, malpractice suing and the list goes on.

I offer health, vision and dental to my employees and it's a great plan with a $1000 deductible. I pay 80% of the cost. None of them could afford health insurance outside of having it subsidized by me.

You don't want to participate in your group health plan? Don't sign up for it. It's not the governments responsibility either.

Are you not able to opt out of your employer health insurance and enroll in your own, asking because I honestly do not know.

Also, if you think your employer's health insurance is expensive; wait until you start paying for it yourself. These insurance companies will give lower rates based on the size of the group.

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If you lose your job you lose your health insurance. If you change jobs, you have to worry about how your new insurance will cover existing conditions or may have to switch providers.

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As long as you have continuous insurance, a new plan cannot deny pre-existing conditions.

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I thought they changed that, but not 100% sure

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They did. Health insurers can no longer not cover pre-existing conditions on a domestic US plan. They also can't charge more because of it either.

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my company has tiered pricing, the more you make the more you pay - 5 different tiers

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What in the socialist utopia kind of employer do you work for?

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of all things for our government to subsidise, it should be health insurance

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absolutely. Anyone who has dealt with the USPS knows how well government subsidized institutions run.

I agree its not ideal but if you're suggesting people just go buy their own insurance like a gallon of milk not sure thats gonna work out great for them either since most employers pay most of the premiums. Decoupling work and insurance will do nothing to reduce those premiums.

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What in the socialist utopia kind of employer do you work for?

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My employer and my husband's employer both have tiered pricing where the higher paid employees pay more for insurance. Both are financial companies.

Employer provided health insurance is 100% handcuffs for employees. I know so many people who work only for health insurance for their family. A substantial number of those are women who would prefer to stay home but their spouse owns a company so they don't have access to reasonably priced health insurance. So the wife works. There is a someone on social media currently pointing out that the children's hospital that is treating her son for cancer will no longer accept ANY marketplace insurance as of January 1st. She and her husband are business owners, where does that leave them?

Insurance companies are evil but employers aren't offering insurance to be benevolent, they know it is a huge retention tool.

While you’re not factually wrong, the starting point for this discussion should be recognizing that healthcare and health insurance are two fundamentally different things.