Employer Sponsored Health Insurance - Is That a Problem?

When you're spending other people's money, you spend it less carefully. Problem number two is that when other people pay for what I have, I want more of it. So we've subsidized the generosity of health insurance in America over the last so many years. And that encourages more generous coverage, which encourages more use of the health care system,. Which encourages higher prices and encourage people to pay for things they don't necessarily value as much as they cost.