I'm wondering if the next major step might be to permit employees to choose their healthcare cover, even though their employer still pays for it.
Australia went through a similar thing with superannuation in the last few decades. For a long time, you paid into a super account that your employer chose. Most didn't allow you to pick your own. Over the years, employers were encouraged to allow this, and many retail products sprang up, many for the self-employed and small employers. Then it was made mandatory that people could pay into whichever one they liked.
Wade.