Americans receive a majority of their coverage from employers, roughly 60% varying on national employment. This of course was not always the case, employers used to provide health coverage as a perk and an incentive out of their own volition, but now do so because of significant federal tax subsidies. An effect of this subsidy is an illusion to at least to those employed that health coverage is much cheaper than it really is. Unfortunately the negative effect of this federal tax matches resulted in health insurance covering more and more procedures...
...lastly, by linking employment and health coverage together many people find
themselves immobilized and stuck in a place of employment for all the wrong
reasons. Because Americans are spending someone else's money on health coverage, negative behavior is encouraged like poor diet, smoking and lack of exercise. Much more importantly, as Chris Conover suggests, the amount of waste created by mis-allocated federal tax subsides and over-consumption could be costing us over 170 billion a year! That is a lot of money that can be used else where.