Scott Alexander presents numerous examples of how the U.S. employer-provided health insurance system fails even insured, well-off individuals, arguing that almost any alternative system would be better. Longer summary

Scott Alexander critiques the employer-provided health insurance system in the United States, presenting numerous real-life examples of how it fails even well-off, insured individuals. He argues that the system creates unnecessary barriers to care, disrupts continuity of treatment, and traps people in undesirable life situations. The post illustrates how the current system fails not just the poor and uninsured, but also those who seemingly should benefit from it. Scott concludes that virtually any other healthcare system would resolve these issues. Shorter summary