The main problem with healthcare is it is still semi-tied to employment/employers. There should be huge breaks to take out independent insurance not breaks for

The main problem with healthcare is it is still semi-tied to employment/employers. There should be huge breaks to take out independent insurance not breaks for companies to offer it. Tying health insurance to a company is an ancient and legacy system that needs to go away. It makes entrepreneurship much more difficult and leads to things like ageism and making it difficult to change jobs or start companies. We don't get other insurance from our company, not auto, not life, not home, why the hell do we bind our most important insurance to employment? ACA was a start in that you can now actually get coverage (though not that great). In 2010 when I went fulltime on my business I got denied for about a year, under 30 and barely ever used healthcare. The same companies I was insured under at fulltime jobs wouldn't cover me individually. I was blown away and a bit scared, I knew then how bad the system before ACA was and it isn't much better now. The main cause of price disparity and risk is tying it to employment, we take the costs and hide them in insurance and employers backroom dealings, noone knows what anything costs because noone pays it directly. We need insurance companies to be consumer facing not employer facing, we need new competition in new insurance companies that are like that (more like Geico, Progressive, Nationwide for health not just auto rather than these employer focused companies in Aetna and Bluecross et al). We need to unlink healthcare from a job! It is becoming easier to start companies in any country where healthcare is not part of the normal benefits of a job. In the US we could start by making it illegal eventually to provide healthcare from a job (but providing extra money for it is ok). Eventually people will move to independent insurance or some public system like medicare for all. That way when you leave your job or start a company, it doesn't involve a heavy burden/risk on your health and insurance. Side note, every year since ACA has started I get my plan cancelled at the end of the year. They have rules in raising rates so they just end the plan and force you to jump on a new one. So every holiday season I get the joy of signing up to another freaking plan. I have no idea how this doesn't add tons of admin costs across the board. What a waste. And you can only join on enrollment not like every other insurance ever in that you can join at any time. The current insurance companies are trying to kill ACA and they were not setup to be independent insurance companies, we need better competition and a directive to remove healthcare from employment. Health insurance is the most non-independent and non-consumer friendly product in the US because it has never seen a real market, it is largely an employers service not individual consumer service.