The ability to buy affordable health insurance and/or afford necessary healthcare shouldn't be dependent on what employer one works for anymore than the ability to buy home insurance, car insurance, home maintenance, or car maintenance is. Health insurance isn't a great model, national health plans aren't perfect models either.

It shouldn't be. But it is, thanks to wage and price controls that allowed companies to compete for labor only on health insurance. If the government hadn't screwed it up years ago, the market would have developed normally.