re: #347 Locker

The stuff you are predicting is already the model under the insurance companies.

But there is more than one insurance company to chose from. Employers tend to find a cheap one, but still, one that their employees would actually want.
And then, you have the government’s insurance regulators and the courts to back you up, at least to some extent.

One payer who also is in charge of regulation? That’s a Soviet system, doomed to abuses.