[SoConPubbie]

The simple conservative solution is to separate employment and insurance. Require all employee benefits to be simple payment with no benefits.

No, since your solution can only be implemented via Government fiat or legislation, that is not the conservative solution but the statist solution.

I like my employer insurance just as it is, as a benefit provided by my employer.

The free-market approach, much less government interference, is the only conservative solution.

Health insurance or health coverage or health benefits are not a right, they are a privilege.

[freedomfiter2]

Fair enough as long as that benefit is included as taxable income.