Quote:The employees pay part of the cost, but the employers choose the insurance company. The employees can always seek different employment if they don't like what the company offers. In times like the last eight years when jobs are scarce a business has no incentive to seek a better policy, but that's not the case when businesses have to compete for employees.


 

Admittedly it's a screwed up system.


 

Ideally employers would be out of the middleman role and everyone would have their own policy, so health insurance wouldn't be a factor in one's job decision. That would also mean that the problem with pre-existing condition coverage would disappear, since everyone would already have coverage before they discovered a health problem.