According a form from my employer, my family health insurance coverage costs over $14,000 per year and I pay about half of that. In addition, I pay co-payments, deductibles and out-of-pocket for a doctor who isn't in-network. My insurance doesn't cover dental or optical. In short, my share of my family's healthcare expenses is right up there with food on the top of our monthly expense list (our house is paid for). Nevertheless, because of the laws it is better for my firm to "give" (my firm doesn't give me anything, I earn it) me health insurance than it is to pay me the cost of that insurance. Because of that large contribution, I can't get near the coverage for near the price anywhere else. Because of the laws, the managing partners of my firm get to decide how I am going to spend a large sum of money every month. They pick the company, the deductibles, the network of doctors, the coverage and the premium. Why?
Because my firm chooses not to pay me as much as they pay my boss, my housing choices are limited, and there are a lot of places he could afford to live that I can't. Still, within the parameters of what I can afford, I get to pick whether I buy a smaller house in better neighborhood or a bigger house in a lesser neighborhood. I get to decide whether I want all the house I can afford, or whether I'd rather spend less on housing and more on something else. It's my money and my choice. I don't have to live in the neighborhood selected by the managing partners.
If we removed health insurance from the workplace, if it became something that people had to buy just like we have to buy food, housing, transportation or clothing, then the market would adjust and provide products that meet the needs of the consumers. My guess is that we would see a lot more high-deductible plans that didn't cover routine expenses like birth control simply because it is dumb to run routine expenses through an insurance company. You'd have a lot less lobbying of Congress to make insurance companies cover this or that because if they do cover it, whatever "it" is, then the price has to increase to cover "it".
While I think the Supreme Court made the right decision in the Hobby Lobby case, I don't think they should have been in to position of having to decide it. I don't think Hobby Lobby should be buying its employees health insurance. I think Hobby Lobby and every other company should pay their employees with money and let the employees decide how to spend that money, and that our laws should encourage that rather than the paternalism of the company or the government deciding what employees need.