Regarding the Feb. 1 editorial “The future of employer-based insurance,” finally a rational discussion about this fundamental flaw in our system. There are numerous reasons why we don't need employers picking health plans for their employees, but we do need their money, which in reality is in lieu of wages and belongs to the workers anyway. Since there are free riders now, most firms that provide comprehensive coverage would pay less under a more equitable tax. And workers would be free to select plans that fit their real needs.
Also, by removing the artificial segmentation of the population, we might find we don't need health plans at all.