"We get our health benefits from our employer because they are non-taxable. If employees bought health insurance on our own, we would pay premiums with after-tax dollars.... But while there may be some job lock due to employer-based benefits, the problem has become way overblown in public discourse ... The real problem with our employer-based health benefits is 'insurance lock'. Until recently, and even now only for very large employers, an employee could only get his health-insurance policy from one insurer: The one chosen by his employer."

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