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Employment provided at least a crude screen. If you aren’t falling over so bad you can’t even work, then you’re a more quantifiable cost.

What does that have to do with having your employer provide the health care for you? When you apply for health insurance you would have to submit your ability to pay, just like anything other contract you enter into.

Part of the problem, especially with the younger adults is that because of the cost to employers of providing healthcare many of them limit their employees to lower work hours in order to keep them under the radar. I'm quite certain you know this not being condescending just trying to emphasize my point.

The cost per employee to provide healthcare could be redirected to higher wages so adults can start acting like adults and start taking care of themselves again.

Market forces have been removed from the health insurance equation - that needs to change for anything to improve.