And Furthermore...

Why isn't your auto insurance tied to your employment? Why isn't your life insurance tied to your employment? Do you notice the price of either does not go up if you buy it as an individual, and that it's portable whether or not you have a job? How about the menu of options available, like, higher deductibles, full glass coverage, liability?

Other than government regulation and entrenched business practices, why isn't health insurance the same?