I'll respond to both of your post here:
1- I understand my employer is paying a ton, as is yours! And I've had insurance through 3 other employers and indepedant policy as well. I'm aware of the cost, the point wasn't me bragging, but it was a get it through work is better than Obamacare options.
2- yes they are garbage because it's a high premium with extraordinary high deductibles. The people going on Obamacare couldn't afford insurance originally so how is that policy helping except in catastrophic situations?
The companies are losing money because for years insurable clients were all of a sudden busting through the flood gates which is the the downside to it. Those people before could get policies just not the preexisting conditions.
Again there is no easy fix on insurance, and believe it or not I think this was the plan from the jump to get anything in place knowing it was a loser proposition, and move and manuever from there. I think Z is closer to right than wrong, but worrying about a Dr or nurse profiting is weak if he doesn't care about McDonald's profits! And for the life of me I don't see why anyone trust our govt to run an insurance program. Our govt sucks as does everything it touches! The best thing about our govt is that it was designed to stay out of our lives, but that sure is changing.