> our health insurance for our family is provided by our jobs

I was not sure how this worked. I knew that the US does not have universal health care (not having it is one of those famous American things) but I assumed that it works on a private basis - you chose an insurance company if you want (and can afford) to be insured, you pay them $X per year and you are covered. Having this tied to your employment gives your employer terrible leverage over you. That would certainly stressed me out.