We're trapped in a system of perverse incentives and third parties. FDR mandated wage freezes and price controls under WWII - so guess how employers bypass a wa

We're trapped in a system of perverse incentives and third parties. FDR mandated wage freezes and price controls under WWII - so guess how employers bypass a wage freeze? Start offering health insurance! The government saw this and thought "gee, let's encourage this by offering lower taxes for employer expenses on health insurance." And so began the growth of a parasitic, complex industry that accomplishes so little at such a great expense.