I agree with the second part (separate health insurance from employment), but I disagree that we need universal health care. I think we should remove all incen

I agree with the second part (separate health insurance from employment), but I disagree that we need universal health care. I think we should remove all incentives for employers to offer insurance and require employers to make the cash value of any benefits available to employees upon request (and make that option clear at hiring time). Basically, when your employer shows you a "total compensation" amount, you should be able to get that in your paycheck if you so choose. I also think we should encourage (maybe require) insurance companies to offer long-term contracts at a fixed rate, adjusted only to account for inflation and changing costs (uniform across all customers). We can continue the subsidies for poorer people if we want. This would essentially be a market-driven "universal healthcare", but it's opt-in. Maybe we need universal healthcare, but I feel like that's a bit overkill. I feel like we can ease into it by expanding on the ACA and getting more people to get insurance outside of their employment.