Exactly. I don't understand why people don't understand this.

It's a huge chilling effect on employee turnover. Until ACA pre-existing conditions was a huge aspect of that. Even now IIRC when I changed jobs once I recall any existing conditions would not be covered for 1 month.

And it's the biggest cost increase over the past 2 decades and has soaked up almost all the profits that could have gone to employee salaries.

https://www.pewresearch.org/fact-tank/2018/08/07/for-most-us...

https://www.healthsystemtracker.org/chart-collection/u-s-spe...