[hellojesus]

I know it exists, but there is no point to denying the employer provided plan unless one is substantially better off paying for out of pocket care plus the forgone income from the employer.

I would propose that we legislate the ban of employer provided healthcare benefits instead of making it universal.

[jakelazaroff]

If you think the foregone income would make the difference, negotiate a raise from your employer in exchange for waiving their health insurance. Problem solved!

You can do what you're describing today, in this world. I think the fact that you don't is instructive.