To your first point, in general you face far fewer risks regarding such issues on employer covered plans within the US than on self-bought plans. The group policy should cover these types of issues, without risk of rescission[1].
As to your second issue, I agree with this. I think tying these things together has had a large and unfortunate impact both on people and on the US economy. The ACA is far from perfect, but it does at least move some of this in the right direction.
[1] If it isn't obvious, I am speaking in generalities. As with all insurance, some conditions and medications are covered more prevalently and conveniently than some others.
As to your second issue, I agree with this. I think tying these things together has had a large and unfortunate impact both on people and on the US economy. The ACA is far from perfect, but it does at least move some of this in the right direction.
[1] If it isn't obvious, I am speaking in generalities. As with all insurance, some conditions and medications are covered more prevalently and conveniently than some others.