Does Employment-Based Insurance Make the US Medical Care System Unfair and Inefficient?

Citation: Victor R. Fuchs Does Employment-Based Insurance Make the US Medical Care System Unfair and Inefficient?.
Internet Archive Scholar (search for fulltext): Does Employment-Based Insurance Make the US Medical Care System Unfair and Inefficient?
Wikidata (metadata): Q63806043
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Summary

Argues employment-based insurance in the U.S. tilts health care production from facilities to drugs to the preferences of high income consumers, as employment-based coverage is highly correlated with income: in households with family income >400% of the federal poverty level, 84% are enrolled in employment-based insurance; with family income from 100% to 250% of the federal poverty level, 35% are enrolled in employment-based insurance.

Uses two analogies: (1) Wal-Mart vs Whole Foods; former 10x more common, latter much more expensive, doesn't make food more expensive for masses, unlike employer-based coverage making health care more expensive for the masses (2) U.S. hypothetically has to pay $3.5t reparations to foreign power, about the annual health spend in the US, what would fair way to assess citizens so as to not change wealth distribution. Answer might indicate less biased mechanism to fund health care