Most health insurance (and the lowest cost insurance) in the US is tied to a person's employer, a system that shifts the balance of power substantially to large

Most health insurance (and the lowest cost insurance) in the US is tied to a person's employer, a system that shifts the balance of power substantially to large corporate employers over workers and small companies. Furthermore, absent major life events (job change, marriage, new child, etc) there is only one time of year when health insurance changes can be made, a time of year called Open Enrollment. Finally, if you are self employed and you don't live in a state with a well functioning Obamacare market, your health insurance options are often quite limited.