The nation's large self-insured employers are beginning to abandon their health benefit programs

[bluestate10]

18. Like every thing. The plan has pluses and minuses.

If I were given $5,000 per year, I would end up saving most of it after health insurance and medical expense payments because of my low health-care needs. But if a person that is not healthy is given the same $5,000, that person's well being would depend on the quality of health insurance that he or she has. The best system would have a person like me giving up the gain that I would get to help fund the expenses of the sick person.

I don't agree with your conclusion. As AC takes hold, insurance exchanges will be set across the country, one feature that I would like to see changed in the ACA is to allow exchanges to operate across state-lines. Even if the state-line restriction is not removed, ACA is designed to develop exchanges in each state that are tailored to the needs of that state's citizens and are roughly equal state to state. My state is one where preventative care is big and a large percentage of citizens are fit. My state's exchange setup would be different from that for Mississippi, given that state's chronically overweight population and poverty.