This is the weirdest thing to me. Why do I get whatever health plan my employer selected? I shouldn't have to switch jobs to change my health insurance. And som

This is the weirdest thing to me. Why do I get whatever health plan my employer selected? I shouldn't have to switch jobs to change my health insurance. And sometimes there is a delay before your coverage starts at the new pace, or I want to take a couple of months off. Now I have no coverage! This is nonsense. It seems that the main argument for it is that companies have more negotiating power, but that seems like it would largely change if there was a significant market for individual/family health insurance where competition can actually exist between the people who are benefiting. Employment should be simple, I do work and they pay me. Instead so many critical aspects of my life are tied to it as you mention.