I went full-time in my business in 2010-2011. I got denied for months for health insurance. I was in my early 30s, wife, and one child with no major health iss

I went full-time in my business in 2010-2011. I got denied for months for health insurance. I was in my early 30s, wife, and one child with no major health issues and barely ever used insurance. I got denied from the same companies I previously had insurance working full-time non-stop for years and years from. Finally I did get some by putting me and my family on differing plans across companies. It was insane, I was actually taken back at how messed up that seemed. It caused more panic than it needed to. The ACA (or similar basic rules: no pre-existing, must cover, supports small business and self proprietors as the market goes more that way) is needed for entrepreneurship and in cases where you can't get it through a job, it is a must for starting business today. Other places have a competitive advantage to starting a company in a country that has healthcare figured out and away from the job. We should be able to get insurance as a pool of individuals. The current insurance companies are not setup for non employer based healthcare and need to either change or go. They group based on company or individual not pools of people across companies and individuals, which is a broken legacy system. We need consumer facing companies to be in healthcare if private healthcare is the main thing, companies in auto insurance and other insurance are more consumer focused (Geico, Progressive, Nationwide etc). I wish for more competition in this area that is consumer focused not employer focused. Insurance needs to be remove from employment (probably through legislation or market benefits) to ultimately solve this consumer facing insurance problem for healthcare. We also probably need a separate health insurance plan for catastrophic events and a healthcare plan that handles day to day healthcare needs, bundling them is a bit wrong when compared with other insurance i.e. car maintenance is not covered under auto insurance, home maintenance is not covered under home insurance. Ultimately, fixing healthcare is needed for business and quality of life reasons. Our system is becoming a competitive disadvantage to businesses in the US.