My impression is that the problem with health insurance is that it incentivises hospitals to mark up all of their invoice items by factors of tens. And that beh

My impression is that the problem with health insurance is that it incentivises hospitals to mark up all of their invoice items by factors of tens. And that behind closed doors the insurance companies negotiate lower actual prices for themselves, so that they don't ever even really pay that much to the hospitals. Which, on its own is not a problem. But the problem is that the end result of this is that anyone who is without health insurance is completely screwed the moment they get a severe health problem. And I don't see any reason why anyone should end up economically f*cked for life just because they didn't have health insurance in any one particular moment of their life where something bad happened to them. But as a first approximation, it would still certainly be an improvement to untangle the employers from the health insurance. And have people buy health insurance privately for a couple of decades and then with the experience of that in hand improve things further. Not letting the perfect be the enemy of the good an all that.