The whole system is distorted because medical insurance is THE ONLY form of compensation that an employer can give to an employee that is deductible as a business expense for the employer and yet not taxed as compensation to the employee.
Yes, and by extension the rest of America got screwed because the individuals buying Obamacare didn't get the same deductibility! Let everyone get an equal playing field, if your employed they employer gets it, Self employed, a 1099 freelancer you get it. I'd go so far as eliminate all deductions and make the only one for policy purchases, Direct Primary Care, and all other ancillary health care cost. I'd tell the Dem's put up or shut up, you want everyone covered? Good make it you No. 1 priority, not your power.
BTW Dr Dave Janda did a great show one day about how they came to the conclusion HSA's + Direct Primary Care tax deductible was the solution, and they came to this conclusion when he was working with C Evert Koop and President Reagan on how to fix healthcare! the Ideas are not new, the deep state doesn't want solutions, just us at their trough....