How exactly do employers "hold that over" our heads?
Maybe it would be best if employees (and all people) had the options to pursue healthcare on our own. But smart employers have a vested interested in the well-being of their employees, especially if those employees truly are considered "assets" of the company.
I don't see how a company, protecting its interests, is "holding something over" the heads of its employees.
To give you a big for instance, pre-existing conditions.
Say I work at XYZ and get diagnosed with something. I want to go to ABC but with this condition there WILL be problems.
Additionally, don’t for a minute think your employer doesn’t has full access to your health records.