Everyone is free to buy whatever insurance they want. But they won't be able to pay for it with pre-tax income like their employer is able to. It's an explici

Everyone is free to buy whatever insurance they want. But they won't be able to pay for it with pre-tax income like their employer is able to. It's an explicit pro-big business tax policy that hurts businesses that aren't big enough to afford the paperwork and HR involved with administering insurance and other benefits, and also to prevent people from being able to easily compare compensation offers from various employers.