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Maybe they aren't so stupid, maybe they shopped around for the best deal they could by reading what was and wasn't offered. Obummercare's one size fits all is just stupid....
The best deal for who?
You see, you might have blundered into the best argument against Employer provided health care. It really works best for the employer, not the employee.
Now, a point I've hit on when it comes to agreements, is that when I was at this company, they changed their "plan" three times and the provider once. One of them even tried to talk us into using THEIR dentists rather than the dentists we had developed relationships with. After I had the first of my two surgeries (the more expensive one), they got rid of the Point of Service Plan that I and others had used.
but overall- only 75% are adequately covered, you are one layoff from being not covered at all. (COBRA is a bad joke) we spend twice per capita what the "Socialist" countries, but have lower life expectencies and a higher infant mortality rate.
Now, you probably think this is a good thing, and no doubt you will blurt out some horseshit about "Freedom" and "Founding Fathers" or some such shit I have no patience for.
First, life expectancy and infant mortality, do not reflect on the quality of health care. Infant mortality is different between countries because they use different standards. In the US, every single birth is counted, no matter how early they are born. In England, babies born too early, are simply left to die, and are not counted as a birth at all.
Obviously, if you don't count babies that are too early, which are the most likely to die, then yeah your numbers will be better.
Life expectancy has dozens of factors that are not related to health care at all. Homocide, Auto Fatalities, Life Style, even genetic differences. None of which can be affected by the health care system. Switching to a single payer system wouldn't change any of these differences.
As far as employer health insurance benefiting the employer and not the employee...
You do realize that the employer has to pay the same premiums, and is under the same exclusions and premiums that the employee pays, right? But then the employer has to fork out the employer portion of the plan.
The employer doesn't get a special deal, better than the employees.
That said, I am against health insurance being tied to employment. It should be like auto insurance, or life insurance.
Ironically, it was government that created this system. This is how it normally goes. Government causes a problem, and then leftist claim the solution is more government to fix the problem caused by government.
Now, are companies are looking to cut cost? Yeah. You would too if you were the one paying the full cost. If employer paid health care is ever eliminated, and you have to pay the full cost of insurance, you'll be hunting for cheaper plans yourself.
The problem right now is that the employer is doing what you would do, for you, and you believe in mythology that the employer could pay for anything, and they are just cutting cost to be mean or something.