The Thing that wouldn't Die.

Employer-sponsored insurance (ESI) needs to go the way of the dodo bird. In a world where employment is temporary (2-5 years), especially for the young and healthy, it makes no sense to tie something as critical as health insurance to your employment. Health insurance, just like fire, auto, and life insurance, should be owned by the employee. It's fine if the employer wants to contribute $$$ to the policy via a Health Savings Account, but they should have zero ownership and zero meddling authority. That way, when someone is fired or needs to leave work, they aren't faced with a major discontinuity of coverage.