Business should run their business, not your health care. As it stands now, employers who have large payrolls have to deal with a myriad of problems related to their employees' health care, mostly problems caused by the complexities of insurance company rules. Think about it: should an employer have to hire extra people just to figure out and explain health insurance benefits? Of course not. That's not his business. The employer should be making widgets, and every person he hires to explain health insurance to this employee is one less person making widgets and contributing to the bottom line.