Why do people want to have the choice of paying more for less?

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Ponderer
"You are only concerned about cost." -OD

Here's a helpful little tip, Olde Dude. When you start out a post directed at me with a ridiculous, bald-faced lie about me right out of the gate, I usually don't even read any farther than that.

"White power! White power!" --Demented Racist Donald Trump

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Donna
I doubt if that tax break fully covers their outlay for subsidizing their employees' health care coverage.

Actually those "other reasons" you're imagining (if it's what I think you're referring to) are all in your head. She and I haven't even discussed that.

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The Real Reason the U.S. Has Employer-Sponsored Health Insurance
In 1942, with so many eligible workers diverted to military service, the nation was facing a severe labor shortage. Economists feared that businesses would keep raising salaries to compete for workers, and that inflation would spiral out of control as the country came out of the Depression. To prevent this, President Roosevelt signed Executive Order 9250, establishing the Office of Economic Stabilization.

This froze wages. Businesses were not allowed to raise pay to attract workers.

Businesses were smart, though, and instead they began to use benefits to compete. Specifically, to offer more, and more generous, health care insurance.

Then, in 1943, the Internal Revenue Service decided that employer-based health insurance should be exempt from taxation. This made it cheaper to get health insurance through a job than by other means.

After World War II, Europe was devastated. As countries began to regroup and decide how they might provide health care to their citizens, often government was the only entity capable of doing so, with businesses and economies in ruin. The United States was in a completely different situation. Its economy was booming, and industry was more than happy to provide health care.

This didn’t stop President Truman from considering and promoting a national health care system in 1945. This idea had a fair amount of public support, but business, in the form of the Chamber of Commerce, opposed it. So did the American Hospital Association and American Medical Association. Even many unions did, having spent so much political capital fighting for insurance benefits for their members. Confronted by such opposition from all sides, national health insurance failed — for not the first or last time.

In 1940, about 9 percent of Americans had some form of health insurance. By 1950, more than 50 percent did. By 1960, more than two-thirds did.

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There are other countries with private insurance systems, but none that rely so heavily on employer-sponsored insurance.
[www.nytimes.com]

"White power! White power!" --Demented Racist Donald Trump

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Donna
I wouldn't be interested in M4A if it there was little or no out-of-pocket expenses but the docs were second-rate, the medical facilities were filthy dirty, and the waiting times were unacceptable, which is what od fears would happen under M4A and which btw is why he made that comment about Ponderer only being interested in cost.

"White power! White power!" --Demented Racist Donald Trump