This is why healthcare/insurance needs to be removed from employment. It was originally used as a way of bargaining with union employees as a way to avoid taxes, etc. Just pay people their wage/salary and then allow them as people to find their own healthcare and insurance.
Also, we need to treat healthcare and health insurance as two totally different things. Treat routing health care (the flu, basic bone breaks, strep, basic prescriptions, etc) like basic car needs (ie oil change, new battery, etc)—you pay out of pocket. And treat health insurance for treatment that will not be used often, if ever (major surgeries, cancer treatments, costly disease prescriptions) like car insurance for when you have a bad accident/total your car…you have a high deductible that you can save for in case it’s needed but won’t go bankrupt as well.
I’m sure I could have worded it better, but I think you get the idea. Expecting great healthcare for a much less direct cost to you means that someone else is going to be picking up the tab.