It ought to be like auto insurance.
Back in 2003 when we had a 6 month old and two year old, I bought health insurance through a broker. United Health Care plan with low copay/deductible for the four of us for $400/mth. Haven’t been able to afford health care ins since obamacare
Swap it!
Make employer Auto insurance mandatory.
But healthcare is covered by Health Savings Account.
Let people bitch about their car insurance but health is solved.