So, working Joe gets a much bigger check, because there is less witholding tax because of the insurance tax credit, and the company pays him more instead of paying his health insurance. Between the two of those, let's say Joe makes enough more to pay for his insurance. Will every working Joe dutifully send in the check every month? Ha! So, make the employer send the check, just like before.

And when Joe gets laid off, the company obviously doesn't send that portion of his pay to the insurance company anymore. So, Joe is no better off than the current COBRA system.

What has been fixed?

-Chuck, Vegetarian fanboy

@Lou
Man is naturally a political animal.
-Aristotle