Q What are the primary challenges of the current employer-based system? How does this system affect both personal and health decisions? What reform would you recommend to address the challenges identified?
There are quite a few challenges that are faced by the current employer-based system however, the primary challenges are—the employer-based system is temporary, employer has to maintain its health history to gain premiums, and nobody knows who is paying for the healthcare used by the employees. First is the temporariness of the system: this system is temporary. It is only available with a particular job in a particular company and when job is gone the benefit is also gone.
