Work based coverage is variable at best, and for most people if they opt out of work based coverage they are not compensated by their employer for the money tha

Work based coverage is variable at best, and for most people if they opt out of work based coverage they are not compensated by their employer for the money that employer would have otherwise put toward their plan. Which intern makes non work based coverage inaccessible which becomes a form indentured servitude if you need coverage. Even the low out of pocket costs are vanishing with the introduction of the newer high deductible healthcare plans. I think something a lot of people don't realize is that their care plan is often dictated by the insurer and employer, not their doctor. Your employer and insurer negotiate annually on your coverage with little input from employees. What medicines and treatments are covered is dictated not by the doctor.