Yes, if insurance had nothing to do with your employer, the employer would be easier to leave. Imagine if your house and car and food were all paid for by your

Yes, if insurance had nothing to do with your employer, the employer would be easier to leave. Imagine if your house and car and food were all paid for by your employer. And with a tax subsidy that makes it seem cheaper to do it that way than pay for these things on your own. Yes, leaving an employer would be a complicated choice. I'm also not convinced employer insurance is the deal people think it is. When I left my last full time job and continued the insurance using COBRA, it cost me $400 a month. I think you wind up subsidizing everyone having a baby or that do have major health problems. I'm in my late forties and have a high deductible policy that only cost me $150 a month before Obamacare made it go up to $260. I don't see it as much of an impediment, even now. People can spend more on coffee. Granted, if you have poor health or a family, this can cost quite a bit more. But these things by themselves can often be a greater barrier to entrepreneurship than the cost of insurance.