Having it separate from employment would be good but I still feel like it should be a basic right. I do not think a market approach works particularly well with something so critical as healthcare. For non emergency care it would probably be fine but you still have to do something to make sure everyone is actually getting that insurance so that they aren't going to the emergency room or ignoring big health problems. At the end of the day, it'd be cheaper overall to just do single payer. I find it generally puzzling that we seem to be unwilling to look at what's been successful in the rest of the world (and I don't find the "no one has done it on this
scale!" or "those others countries aren't as
diverse" arguments particularly compelling.)
Also wellness incentives haven't really been shown to work:
Bloomberg
NYT