Why are all of your health insurance and retirement options tied to your current employer? In every case it's due to an accident of history. Indeed. If you loo

Why are all of your health insurance and retirement options tied to your current employer? In every case it's due to an accident of history. Indeed. If you look outside the US you'll find many countries that aren't set up that way. It's going to be interesting to see how that effects the way jobs evolve in the future. Mine aren't in the UK for example - and I imagine that if they had it would have had quite an impact on the risk/benefit of some of my work decisions over the years.