What if you lose your insurance mid-year? You simply can’t buy insurance directly?
Will some obnoxious white liberal explain to me how this is some kind of progress?
I think that's excused as a "life changing event," but that doesn't make it any less weird.
The degree of interference with normal contracting--that you can't buy insurance normally--is astounding, but less so when you think about how f'd up the insurance industry--and all medical pricing--is because of government involvement.