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U.S. tax law needs to change for this to happen. Individual health care should be totally tax deductible (the way it is for businesses) or should not be tax deductible at all for business (a small step in this direction by the Obama Administration was vilified as a "Cadillac Tax"

[BeFlatXIII]

If proper single payer is out of the question, the biggest mistake in Obamacare is that employer-sponsored health plans remained legal. Everyone should have been forced into the same market.