[landemva]

> when a company lays people off, the town, state, and federal government are the ones who have to end up picking up the downstream effects

If the existing unemployment _insurance_ (forced payroll contributions to each State) are not sufficient, then change that insurance system.

There could be a business opportunity for supplemental market-priced contributions which pay on job loss. That wouldn't be worse than the 'legal assist' ripoff plans HR pimps at employee hiring.

[aaomidi]

Unemployment insurance can't, and shouldn't be designed around market acting irrationally. That's not a reasonable insurance plan.

> then change that insurance system.

Also, more about this, why? We have a ton of levers and controls we can utilize here. Why does it need to be that the insurance system needs to change? That seems like we're closing off a lot of levers _just because_

[landemva]

Forced unemployment insurance is a supposed safety net, so should be open to discussion as part of solution. Let me opt out, or take premiums to a non-State provider.

[dragonwriter]

> There could be a business opportunity for supplemental market-priced contributions which pay on job loss.

Private job loss insurance exists already, its not an non-addressed potential market.

[landemva]

Wow, I might be interested. Do you have any recommendations in USA?