This would be a good move, but don't most people get insurance through their employer? To me that would really be the thing to break asap. Can people really s

This would be a good move, but don't most people get insurance through their employer? To me that would really be the thing to break asap. Can people really shop around? It's either getting an expensive insurance on your own or a much cheaper one via employment but extremely limited choice. The main barrier to getting rid of insurance via employment seems to be the very high cost of premiums. Employers are able to get much better deal for their employees than a single individual would be able to negotiate with a carrier. Maybe we would need an electroshock including banning employment based insurance and allowing carriers to operate anywhere. This would immediately kickoff the competition between carriers.