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The other component is decoupling health care and dental insurance from employment. Because that's a far bigger problem than retirement. A lot of people lost their jobs last year and suddenly had to pay full price on their insurance to keep going to their doctor.

The whole insurance system in the US is best described as a real-life re-enactment of The Trial by Franz Kafka.

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Dental insurance isn't really insurance. It's a benefit that exists mostly because it's tax advantaged. [1] Health insurance is, of course, really insurance. With Obamacare the biggest issue is probably that it's really expensive to pay for a good insurance plan (or even a not so good insurance plan) on your own. Though, honestly, not so cheap even with employer participation.

[1] By not really insurance, I mean that most people with it (especially older people) may consider it a nice perk but it doesn't really protect them from out-of-pockets they can't afford.

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