The Problem Health care costs are going up. Health care quality is going down. Hospitals are being closed because their beds are empty, while at the same time people are complaining that they don't get the health care they need. Some people have no health insurance, while other people have more than they need.
Some people buy health insurance with their own money.
The trouble with getting your health care from your employer is that you're not buying health care in a free market. A free market sets a fair price and equates supply and demand , not just for a class of product, but for each specific brand and variety of the product. If you don't like one brand, you choose another. If you don' t like your supplier, you choose another. But when you get health care from your employer, your choice is limited to what your employer contracted for.