The #1 thing we need to do is make it illegal for your healthcare to be tied to your employment
Yes. Or at the very least, stop making it mandatory. Health insurance should work like literally everything else: your employer pays you money, and you use that money to buy it.
Lots of people without a lot of assets would gamble.
The current system exists because yours is even worse.
> Health insurance should work like literally everything else
Eh, everything else varies significantly by company. Tradesmen have to buy their own tools. FANG provides free lunches.
I've yet to see an argument for why a singular person is going to be able to do a better job making healthcare more efficient than a company that shells out millions of dollars for that line item. Like why doesn't HR drop the health insurer that just keeps lock-step increasing prices? And why doesn't that reason apply to an individual?