What do you mean by Employer driven? I am a small business owner. After raising my family without insurance as we were building our own business, we started offering health insurance as a way to get "quality" employees. It didn't change the quality at all. Now some of our employees think they should also get dental, eyewear and full-family health insurance coverage at no cost. It's funny, but our real "quality" workers don't ever think to ask for these types of benefits - Quality workers want more work and more money. It's always the ones who are lazy and shiftless that want all the 'perks.'
Puhlease...how about a consumer driven health system. Now that is the only one that makes sense. You want it, you pay for it.
I now see your point of view.