This week there is confirmation that employer-based health insurance is withering on the vine. Kaiser FF reports that only 60% of Americans received insurance from an employer, down from 69% just five years ago at the height of the boom. Most of those who've lost coverage are in smaller firms, but of course most people work for small firms, and even large firms are pushing more costs onto their employees. Another study shows that one-third of employers that set up high-deductible health plans with HSAs for their employees do not fund the HAS. Medicaid is taking up some of the slack, but the inefficiencies in the individual market means that more people are going to be struggling with health insurance, and the rest of us are going to continue paying more out of pocket. - Matthew