Access to medical insurance should not be provided through one's employer. It should be provided as a basic civil right to everyone through the government, and it is so provided in most of the developed world. It's asinine to have a situation where people get medical insurance primarily through their employers, because it is the unemployed who are the ones who most desperately need it...they have less money to spend when an emergency comes along. But everyone actually needs it and everyone should have it...equal access to all citizens...no extra fees to anyone.

We do that in Canada, and it costs 1/3 less to do it than public health costs per capita do in the USA. And there is no rationing. I've had several friends who needed treatment for serious illnesses, and no one faced rationing. Everyone got treatment when they needed it, without delay.