Having insurance tied to employment is bad for workers. It makes switching jobs far more difficult and stressful, and makes losing your job that much more of an issue.
The insurance market model for healthcare coverage is such a fractally broken failure that if you're still stuck on the stage of twisting some knobs and adjusting some levers in the hope that second-order market effects will improve things then there really is just nothing that will convince you to move on.
Healthcare is an area where market forces are inherently perverted because people often don't have a choice of not buying the service. This is why every sensible country uses a socialized system instead. Not only does it provide better service, but without the perverse market incentives and multiple layers of middlemen infesting the system it is much less expensive.
Only the surgeon's pricing was available ahead of time. The hospital provided an invoice at the time of surgery, marked as "SUBJECT TO CHANGE". The anesthesiologist himself didn't know how much his services would cost.
Three weeks later, we're still watching invoices and insurance claims roll in.
Medical tourism is a direct testament to inflated charges as a systematic problem. Finding a hospital with non-inflated costs requires crossing international borders.
I'd rather have a fully private market without national entities messing with the prices and charities for those who can't afford it.
Of course, no politician will ever champion such a system, because it removes the gov from the equation, making them less powerful and needed by the masses that keep paying taxes.