Large swaths of US insurance are underwritten by employers, with the insurance companies acting as contracted administrators. Employers don't have the incentives you list.
Great, just work a well paying megacorp white collar job and you'll get slightly less fucked on healthcare.
What about the other 90% of the country?
Great, just work a well paying megacorp white collar job and you'll get slightly less fucked on healthcare.
What about the other 90% of the country?