> Just give me the money in my paycheck and let me do with it as I see fit. Unfortunately, the way the system is set up, the money an employer spends on health

> Just give me the money in my paycheck and let me do with it as I see fit. Unfortunately, the way the system is set up, the money an employer spends on health insurance cannot be used effectively in the health care market. It is not a free market. For my single employees, I pay $406.53 per month for health insurance on a very comprehensive plan. If I were to just put that in their paycheck and tell them to fend for themselves, first they would have to pay income tax on that money and second they would not be able to buy health care services at the rates negotiated by the insurance companies. This doesn't even factor in the situations where an employer and the coworkers have to decide how much to help an employee with his medical bills when something happens.