I couldn't get surgery approved on my employer's health insurance. I eventually decided not to let that stop me from changing jobs and doing what I wanted to do

I couldn't get surgery approved on my employer's health insurance. I eventually decided not to let that stop me from changing jobs and doing what I wanted to do, despite not being able to afford surgery out of pocket and despite an inferior choice of health insurance plans. I suppose I could emigrate to England if all else fails. I can do this as my mother was a British citizen otherwise than by descent, though it is an involved process. The present system is designed to impose a huge negative externality on would-be entrepreneurs and others who might have left their jobs to pursue other opportunities. And you are subsidizing the profits of the industries that benefit from the relative immobility of labor. That negative externality you pay is someone else's subsidy. If it were up to me, I'd rather pay into a universal health care system than pay the negative externality to stay tied to an employer on account of health care coverage. Another negative externality is the administrative burden imposed on companies to handle employee health care.