@LogicalApex@thelounge.network And in addition, it favors large employers over small. If you have hundreds or thousands of employees, you get a pretty good discount on your plans, and can probably afford to have someone on staff to manage it. If you only have a few employees, your rate is closer to an undiscounted individual plan. But then, some employers would prefer not to have the expense. The biggest fight for our union at contract time is over sharing of health care costs.