> it's not right to say it's a problem that the employer is paying (or that the government is paying)
These are two completely different situations, and the first is absolutely a problem. It means you lose your health insurance if you get fired, and indeed that working part-time may not be feasible.
The efficiency of the system is a separate issue (but also definitely an issue).
They are not different. They are linked. Who is paying only matters because the item is arbitrarily too expensive for the person to just pay on their own.
Of course they are different. It's easy to lose your job. From what I understand, there are even countries where you can be fired while sick. And then you lose your health insurance exactly when you need it most.
Losing your nationality is extremely rare. The two cases couldn't be more different.
These are two completely different situations, and the first is absolutely a problem. It means you lose your health insurance if you get fired, and indeed that working part-time may not be feasible.
The efficiency of the system is a separate issue (but also definitely an issue).