John Graham wants to let Americans use pre-tax dollars to buy health insurance. He illustrates once again how employer provided health insurance distorts the system:

Suppose you traveled to a parallel USA, where the tax code was malformed such that workers' homes were owned by their employers (using non-taxable dollars). If your employer's HR department changed HMO (Home Maintenance Organization) annually, you'd have to move house every year. If you got a new job, even across the street from your old office, you'd have to switch jobs. Obviously, housing costs would be out of control and there would be huge bureaucracy and lack of responsiveness in the "system."

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