Totally agree about seperating healthcare from employment. I like the model of the 401K but make something for healthcare. Employer matches funds and the employee decides how to save / spend the account funds on premiums, over the counter and long term care.
That’s brilliant and would allow a second means of savings for many people. Keep in mind that local zoning ordinances often make health decisions difficult and more expensive.
Imagine what is called in Chicago an SRO (single room occupancy) home. This would allow people to stay in their communities and rent out a single room to someone. They then could receive care from the owner. Most of our health care costs occur at the end of life. Reducing those costs is critical.