[TheRealDunkirk]

> I have picked insurance as an individual and as an employer, and that is 100% wrong.

Wha..? So, are you in favor of your employer picking out your car insurance or your home owners insurance? Sure, health insurance is complicated, but have you read your car insurance policy? I don't see the two as being FUNDAMENTALLY more or less complicated. Further, I will probably blame any irreducible complications you may quote as vestiges of a product that is primarily sold to... corporate specialists. I think these things would change if we got our employers out of the loop.

[wpietri]

Life-long medical care is vastly more complicated than dealing with a car accident. It's true that the American system piles additional complexity on top of that. But the worst case in car repair is buying a new car. Medical care is so complex we can't even pick a worst case, but the many, many terrible cases can last years, cost millions of dollars, and have no clear answers from beginning to end.