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If a person does not have employer provided insurance now then he would be no worse off. But if he does have employer provided insurance that is part of his compensation package and his employer owes it to him. He should still get all of his compensation regardless of whether it is in the form of cash or cash and insurance. Would we need a law saying that if the gov eliminated the need for employer paid insurance each person could not lose their full compensation? Then with the increased paycheck he could buy the insurance which would no be cheaper than it was before.

I also think that while insurance should cost whatever it cost based on risk for new enrollees those who have been a part of the system for a long time should not be penalized for events that creep up while they are insured. in other words a pre-existing condition is not pre-existing if one always had insurance.