> it arguably makes the general job market less efficient I didn't understand this until I started my own business. I was desperately trying to find a job duri

> it arguably makes the general job market less efficient I didn't understand this until I started my own business. I was desperately trying to find a job during the '08 crash to get health insurance for my family but was unable to find one. As a last resort I started my own consultancy which turned out to be a fantastic opportunity. Self paying for health care was a massive barrier to starting my own business. Once I hired people health care benefits were frequently top of their list in interview questions.