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First: employer based health care, as weird as it is, serves a role as collective bargaining. Losing the sick person is good. Losing the sick person and a coupl

by kyllo 12y ago

First: employer based health care, as weird as it is, serves a role as collective bargaining. Losing the sick person is good. Losing the sick person and a couple thousand healthy people is bad (or at least less good). Except that many large employers are self-insured anyway, they only have an insurance company contracted to administer claims, but the employer pays. So, unfortunately the company then has an incentive not to employ sick people and old people.

dllthomas 12y ago
"Except that many large employers are self-insured anyway" Many; it's not all, I'm not sure it's most, and the dynamic I spoke of is still present in smaller employers. "So, unfortunately the company then has an incentive not to employ sick people and old people." I never claimed employer based coverage was a panacea. I explicitly called it weird, and I specifically said that it doesn't entirely fix the issue.