Your employer offers health insurance. You go to doctors who bill the insurance company for your services. You paying directly for your services is almost enti

Your employer offers health insurance. You go to doctors who bill the insurance company for your services. You paying directly for your services is almost entirely removed from the equation. You even deciding on which insurance company you would like to use is removed from the equation as well because it’s more expensive for you to sign up directly than it is for your company to sign up as well. If you wanted to be a part of a private insurance group with diet and exercise requirements for membership, including annual physicals that could potentially get you a lower rate…but you don’t really get that option. The market doesn’t even get to attempt to provide that option because of how separated the producer and consumer of the service are from the people paying for it. The market is completely removed from the equation. The only person who proposed a plan that would have resolved this problem was Dr Ben Carson fwiw. It was by far the best solution to fixing healthcare in the US that I’ve heard in the last 20 years but instead we got ACA.