In the UK it’s provided by the NHS but these companies systematically dodge employer’s NI.
Yeah but it's being replaced by insurance that is utterly unaffordable for a lot of contract employees. If we want to decouple health insurance and employers (and we should) then we should be proactively working out what that looks like in the future.
Caused in part by the issues of employability of (some) chronically ill people, driving up costs, and making "individual" plans de facto "high risk pool plans". Which would be helped by, as you said (and I agree):
> decouple health insurance and employer
If holier-than-thou types try to ban these apps based on their own worldview, millions will suffer the loss of their first choice and be forced to accept their second choice - or unemployment.