You said people should be allowed to cash out of their employer provided healthcare, but you can already opt out. My ex has a smallish employer with expensive plans, so even after the employer contribution, it wasn’t clearly better than marketplace plans. We already are at a place where you can choose the public option.
Or do you mean specifically bringing the employer contribution with you? That would destroy the marketplace for people who can’t bring their employer contribution. It’s also likely to result in employers very quickly giving up those benefits
There is also the HSA which arguably could be called a step in that direction. Employers providing much less of an insurance plan but in conjunction with savings that can be used for medical care. The problem with the current implementation is it doesn’t serve well the people who need it most. People with existing conditions can not afford them without savings and people with lower incomes can’t save.
But yeah, thinking about that more, that may be a path. Allow/define a bare bones high deductible insurance plan which can eventually become universal, then encourage employer HSA contributions, including with fairness tests. Now basic and catastrophic care is covered for everyone universally and the employer benefit is on top of
It worked for the last generation of Xboxes. Personally I was prepared to buy an x series for each of my kids two christmases in a row. However I refused to pay scalper prices and was never able to find them in stock.
I hope scalpers rot in hell for ruining things for the rest of us, but it directly lead to my kids building their own gaming rigs, so that’s cool. More quality time with my kids plus they learned that I actually know something about computers