[mankyd]

>But it isn't competitive when you cannot even pick your own health insurance company

There's plenty of employers that don't offer healthcare, and you are not obligated to take it if your employer does offer it. You can always buy your own health insurance.

[Someone1234]

And pay substantially more for the same product. The individual insurance marketplace isn't competitive, plus you're also giving the federal government a free loan (since employer insurance is pre-tax dollars, individual plans get a refund after the tax return).