Is the govt self-insured?
The government is what it wants to be unless you don't let it. Remember, they got organization; they got guns. Stuff you don't have.
What’s the difference? They are government benefits. The government has to be involved in deciding who qualifies for them. Are you saying that insurance companies should dictate to employers who they should provide benefits to?
If the government needs to “get out of the marriage business”, as you said, then what about bigamy laws? Should I be able to share benefits from my job with six wives (or husbands) and force my employer to shoulder the extra costs so long as the insurance company doesn’t object?