*shaking head*

[henry quirk]

"The inherent problem is employer-provided insurance"

Only when it's mandatory.

If Joe wants to provide catastrophic insurance to all of his employees, that's on Joe.

If Joe wants to pay (some or all of) his employees enough so that each can attend to his or her medical needs as each sees fit, that's on Joe.

If Joe enters into idiosyncratic contracts with (some or all) individual employees to provide or make accessible 'this' or 'that', that's on Joe.

It's the mandatory nature of employer-based insurance that's the problem.