The Feb. 8 article “Experts: In 2020 Employees Will Be Deciding Their Health Benefits” heralds an important change in how Americans will choose health care in the future. The American model of employer-provided health care is an anachronism rife with problems and short on benefits.
Employers should not be involved in their employees’ choices of health care plan. In addition to causing privacy concerns, the practice of employers selecting health plans distorts the marketplace. The private marketplace is most efficient when consumers choose products based on their own cost-benefit analyses. Individuals, of course, do not always choose what is best for them.
However, on aggregate and long-term, individual consumers weighing their own monetary costs and health benefits are better drivers of the marketplace than employers focused solely on their own bottom line.
ANDREW E. COYNE
The writer is a student in the health law program at the University of Pittsburgh School of Law.