It's interesting that my ACA (Obamacare) premiums are lower than the premiums were at my last employer for similar coverage (using COBRA numbers for comparison). This might be because my last employer was bad at negotiating but I think it's mostly because they had an aging Rustbelt workforce and lots of people in roles that were unhealthy long term (linesmen and call centers). Because rates are set based on the pool's group risk, the risk in the public ACA pool is lower than the employer's pool of employees. So even though my job was white collar work at a desk, my premiums were based on an unhealthy pool of workers. If I went to work for a startup made up mostly of 20 somethings, I (and my employer) would likely be paying less than my old employer and less than ACA.
So this is another way that tying health insurance to employment creates pockets of unfairness and undesirable outcomes. While I'm not sold on having a government run healthcare system (the pandemic only reinforces this), there are plenty of hybrid systems out there in other industrialized nations that might (must recognize each country's situation is unique) have better outcomes.
So this is another way that tying health insurance to employment creates pockets of unfairness and undesirable outcomes. While I'm not sold on having a government run healthcare system (the pandemic only reinforces this), there are plenty of hybrid systems out there in other industrialized nations that might (must recognize each country's situation is unique) have better outcomes.