"Employers, quite rationally and of their own free will, choose to offer health insurance as a benefit" Sorry, it's because of tax breaks, not pure rational fr

"Employers, quite rationally and of their own free will, choose to offer health insurance as a benefit" Sorry, it's because of tax breaks, not pure rational free market. All the rest of what you describe are unintended consequences of that non-free-market tax break that seems like such a good idea on the surface.