The vast majority of employed people have a single reasonable choice: to take their employers insurance. Anything else would be much more expensive because of lack of deduction. When they change jobs, they are again at the mercy of their (new) employer. Sure there are self-employed folks, and it's different for them, but this thread is not about them. And of course most people with their own insurance choice are self employed precisely because everybody else doesn't really have a choice, which is the whole point.

So, can we please stop with this smoke screen? My popcorn reserves are running low.