You are right about health care being offered first by business to compete for good employees. It worked fine until the govt. got involved and caused this mess we have now.
I would say that if we went back to pre-govt. involvement the mess could be corrected. But we all know that ain’t happenin.
Instead of Obamacare here was are my soultions and they were all right under our noses, we were so close, most of the pieces where in place, aka especially the HSA's..
* Change line 29 on the 1040 so when we buy insurance it is tax deductible to us, not our employer just like small businessmen and women, no more "3rd Party", if you buy insurance ok, but if you don't it is your fault.
* Remove the Anti-Trust for Health Insurance so we can buy over Statelines via mega-website, just like Progressive Car Insurance.
* Allow Natural Groups i.e Credit Unions and Halls of Faith both 501c3's to offer these tax deductible plans through their organizations.
* Allow individuals to gift health care tax free, i.e. a wealth parishoner could buy a family a HSA plan through said Church etc.
* The vehicle perfect for this before Obamacare destroys it all is the HSA, dam me shame in his hubris he will destroy everything...