[Wolfie]

Which is the direction we should be heading in. Once employers dump coverage, the market will better reflect what individuals can pay for their own insurance. Not everbody will be able to afford the same level their employer paid for, but not everybody gets to drive a BMW either.

[oh8eleven]

Which is the direction we should be heading in.
After I retired, my company decided they weren't so interested in contributing what they had promised to my h/c after all. The SOBs.
Anyway, I'm now on a CDHP plan with a $0 (zero) per month premium and a $1200 annual deductible. Once I reach that out of pocket limit, the plan picks up 80%.
That's what most in America should have which would make them think twice about running to the ER every time they get the sniffles.