> I guess my question is: why do we allow companies to manage retirement funds? Additionally, why do we let employers be involved in choosing our healthcare co

> I guess my question is: why do we allow companies to manage retirement funds? Additionally, why do we let employers be involved in choosing our healthcare companies and plans at all? Employer managed retirement accounts and healthcare need to go away. They just need to pay more to the employee to do those things on their own. Healthcare disconnected from the employer is pro-business and it will lead to a better consumer healthcare market with less fixed pricing, more like auto, home, life insurance which people get on their own. Imagine when you change jobs if you had to also change your home, auto and life insurance policies in addition to your health insurance policies, it is silly. Requiring companies to provide healthcare is also a competitive disadvantage globally when other countries offer it as public or private separate from the job and the businesses, who don't want to deal with it nor do they care about your health beyond your production, don't have to. Starting a business changing jobs are also more difficult with employer bound healthcare. Healthcare bound to the job is a legacy system that needs to be updated along with retirement disconnected from employers. Employers just need to pay that in salary or that goes to the employee to manage. Safety nets and public retirement systems like Social Security + Medicare make up the rest.