It is also higher due to having a poorer negotiating platform. When an employer threatens to have hundreds to thousands of workers switch coverage, it can decrease the price. When an individual threatens to switch, the result is a shrug. Scaling this up is a good reason to support a single-payer system.

“Because if you get it through your work, you don't have to pay tax on it.”

That’s not a natural law but something that should be changed immediately. There is no justification for this.