The original sin here is that healthcare insurance is managed by a company instead of the government. That gives an employer too much power over their employees.

In Europe healthcare costs are just another tax, which rate is set by goverment and your employer is just responsible for substracting that from your salary and transfering to government's bank account, but has no say about how much you should pay.The plus side is that your employer simply does not give a damn about your lifestyle choices.