Obviously I wish we lived in a world where health care wasn't coupled to employment, but I don't think the USA is adopting single payer any time soon so I don't

Obviously I wish we lived in a world where health care wasn't coupled to employment, but I don't think the USA is adopting single payer any time soon so I don't really have high hopes. However, one practical thing that I find infuriating is the 401k/IRA system. It's absurd to me that if your employer doesn't offer a 401k there's a whole category of tax advantaged retirement saving that's off limits to you, and you're stuck to the IRA contribution limits (and income limits).