Yep... Good points. Motivating people to look for new employment might be easier if the undesirable employee did not have the benefit package "anchor". That would have been helpful to me a few times over the years. Attracting employees to a new venture would be easier if they bring their own insurance plan. Still, many will be under corporate master policies. True. More recently the market is learning to do more with fewer employees. Demand will have to increase more dramatically than in the past to entice employers to employ more. Otherwise, new companies, either for new products or competitors for existing products will have to come online to hire the employable.