Zeitgeist, I DO believe this will come to pass. I know several people who are currently employed FT who have “employer-sponsored” health plans. Their co-pays are higher than mine, hospital deductibles are higher than mine, they have LESS “choice” than I do, their drug co-pay is higher than mine, etc. One of them has more taken out of their monthly paycheck for their share of their healthcare premium (themselves only) than the cost of my entire monthly premium! And I have a high deductible health plan (HDHP)! I don’t think some companies/non-profits are getting a good deal at all on health insurance for their employees. Since my policy was individually underwritten, my premium is partially set on the state of MY health (past and present). NOT SO with employer-sponsored health plans where the healthy are obviously subsidizing the sick (in the same group) :={