The other thing that doesn't get enough play (in my mind) is the insanity of linking health insurance with an employer. Not to say there is an easy alternative, but the consequences of that are huge, including keeping people locked into bad jobs and stifling human capital investments (especially mid-life), discouraging entrepreneurship, causing huge harm to small businesses, creating additional problems with layoffs and unemployment, encouraging disability claims. The disability claims is a massive issue. To maintain insurance, people will claim disability. It may be legit for a short time, but it is extended indefinitely, and provides a disincentive to find work, as a new job will cause the insurance to be dropped, often resulting in worse coverage. There are continual rabbit trails to go down to find out how much of a ****-show our system is. About twice as much GDP per person for worse outcomes.