Ok, we can agree to disagree on morality it is more about a broken focus in essentially a scam system with the focus on employers and insurers not paying when time comes, rather than a focus on individuals/consumers and larger more sensible grouping of covered people to spread risk and not have insurance rates spike for entrepreneurs, small businesses or people with pre-existing conditions. Employers shouldn't have anything to do with providing healthcare or deciding/choosing for you, making people have to change insurance to change jobs and people losing insurance if they do need it as employers and insurers drop you if that happens.

At a macro level, everyone would be served better by healthcare where the consumer/individual is the customer focused on, not some deal with large employers where they are the customer. That current setup in healthcare purposefully tries to exclude people who are individuals, smaller businesses or other due to broken grouping that insurers use. We'd be better served by large groups across all ages, conditions and states, that would truly be insurance, more like auto insurance which is not bound to employers.

We don't get our auto or home insurance from employers. Why do we get the most private of insurance, healthcare, from employers? It is a legacy broken system that most of the world has moved on from. Benefits are one thing, pay is another, but healthcare should not be provided by employers as it leads to broken fixed pricing between large insurers, medical suppliers and the consumer is considered last if at all, leading to the worst pricing fixed market maybe in history. If you support entrepreneurs and small business growth, the engine of America, you'll come around.