An argument for greater health insurance portability

If employers were able to provide individual insurance to their employees, rather than group insurance, the employees would have policies they could take with them when moving jobs or leaving the labor market, supporting the concept of care continuity, writes Forbes contributor John C. Goodman. Yet the Obama administration fines employers $300 per employee, per day for doing so, he says, and bans customers from using their Health Reimbursement Arrangement funds to shop in the individual market. Goodman argues that this undermines one of the key rationales for the Affordable Care Act, as "virtually every pre-existing condition problem arises because insurance isn't portable." Post