Except non-employer health plans rarely cover pre-existing conditions, which ultimately is what ails most people and contributes most to prolonged suffering in

Except non-employer health plans rarely cover pre-existing conditions, which ultimately is what ails most people and contributes most to prolonged suffering in quality of life. There definitely needs to be a solution for those who are uninsurable, but employer coverage is a lousy mechanism for that. I'd much rather have a "public option" that charges a reasonable multiple of what the premium for a healthy person would be. That would ensure that you could always get coverage, and provide a guaranteed ceiling on your expenses.