Then the market would adjust and offer a rebate for not requiring insurance. You can make any claims against that but then you'd have to say something akin to

Then the market would adjust and offer a rebate for not requiring insurance. You can make any claims against that but then you'd have to say something akin to "there is no market for employees". The money that my employer pays in premiums as indicated on my w2 must be going to the insurer surely, even if they are self-insured? If its going to a pool that my employer just gets to keep then why is that tax deductible and why would I trust them with my health insurance?