> Yes, I can buy individual insurance, but moving off and on new plans is incredibly time consuming, and if you have a certain prescription that you are on or h

> Yes, I can buy individual insurance, but moving off and on new plans is incredibly time consuming, and if you have a certain prescription that you are on or have something that is covered by an employer plan but may not be covered by an individual on then it's highly risky to leave. As someone who spent time doing contract work, and working on my own business, this is what made me seek out work as an employee. I cannot, and will not, play the game of paying for individual insurance. Employers can negotiate for better rates and better plans than you, as an individual, will ever be able to. If you have a health condition or injury, the chances of which will increase each day that you're alive, the individual health insurance market is a disaster.