Dungheap, I stated earlier and am going to repeat it here so that I am sure you will read it.
Contrary to how I think government should be run, I live in the real world. I therefore work to weave some of my beliefs into government. Running a program like this with lower cost by working in a few checks on occasion is better than just pretending we can get rid of it and thus allowing it to continue as it has been. Even if I wish the program hadn't begun that way and that there might have been a better solution.
I think it was a mistake to ever connect the place of employment with health care insurance to begin with. Instead of having them pay a bit extra to the employee towards choices that are outside the company and that they could keep even while moving companies... for instance. However, we must work within reality. The government decided that giving companies a break for providing for others was better than allowing people to provide for themselves. It was a crappy solution, but it is reality.
So, since the government made a shitty decision 50 years ago we have to continue living with that shitty decision when there are better alternatives?
That makes no sense.