[rightbyte]

> she ruined their health insurance plan by racking up a million dollars in fees because they only had 60 or so employees

That is really bad. The gov or insurance providers (whoever is responsible) are essentially discouraging employing people with sick family members.

[lotsofpulp]

There was a lot of uproar from middle and upper middle class people when the original healthcare reform proposals in 2009 involved getting rid of all employer sponsored health plans.

Many leaders at that time did want to dump everyone into one insurance market so all healthy people subsidized all sick people, but there was tons of politics blowback from people who already had access to good healthcare who would see their costs rise because until then, they only had to share costs between healthy, employed workers.

Even today, you will read people lamenting how the ACA increased their health insurance premiums. Nevermind that it enabled millions more to actually get healthcare, so obviously the money was going to have to come from somewhere.