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Sure, the employer is doing what is best for them in the current system. Everyone is. But the results can be rough for real people to actually live with. One o
by stetrain 2y ago
Sure, the employer is doing what is best for them in the current system. Everyone is. But the results can be rough for real people to actually live with.
One of the big scary talking points when politicians start talking about changing our insurance system is that people like their current plans and doctors and are scared to change things.
I just think this is silly since my plan has changed roughly annually since I've been in the workforce due to a combination of employers shopping plans, employers changing ownership and moving to the new company's plans, and switching jobs.
An in-between step to single payer would be to let me pick a marketplace plan and then let my employer reimburse it directly, provider a voucher, or something like that. At least that way I have the freedom to switch jobs without entering a whole new health insurance world, and which health plan I pick is none of my employer's business.
- nradov 2y agoThat is essentially how ICHRA plans work. https://thatch.ai/resources/ichra-for-startups https://thatch.ai/resources/ichra-for-startups
- stetrain 2y agoNice, I hadn't heard of that but yeah I think that's a much better system than employer group plans. If more of the market went that way, insurers would have to actually compete at a consumer level and not just offer "go away" pricing when you try to get insurance outside of a group plan.