[alchemist1e9]

> The American middle class healthcare system, employer plans, is specifically designed to reduce dynamism by making it harder to quit your job.

I’m confused, my understanding was that changing jobs is much much more frequent within the US middle class than elsewhere. How does that make sense if as you say quitting is so risky.

What specifically is risky about the US setup? Of course it encourages not being unemployed as healthcare when unemployed is a problem but most people just line up a new job before quitting.

[astrange]

By "dynamism" I meant it makes it harder to be unemployed, as you might be if you want to start a new business/become a contractor etc. Switching jobs is OK if you already have one lined up.

Also, being married makes it safer (but you might be relying on two incomes) and Obamacare is good in some states.

[alchemist1e9]

There is COBRA for 24 months and co-ops for contractors/sole-proprietors. It takes much more capital to start a business than people realize and a good part of that is cost of healthcare. the paystubs and W2s from employers hide how significant a part of employee compensation the benefits are.