This third party payer, big corporations, plus government meddling along with high tort costs are the two primary reason health care is so expensive.
We need to get government out of our health care lives and we need to make it illegal for companies to pay for health care.
If companies want to increase their workers pay by the amount of their health care costs, that is fine.
Tax free health care savings accounts are fine too, so long as they are funded 100 percent by the employee. Only when the employee writes the check himself will he truly see how much health care is costing him. Then extravagence and high cost will be punished and lower cost plans will flourish.
The important thing is to stop the employer from getting in the middle.
A little tort reform would heal a lot healthcare costs.