[Editor's note: This is the second in a series of essays on health care in the United States. Hershel is challenging some of the basic foundations of our health care system, and will offer some dramatic changes... changes that will not disrupt the quality of the best health care system in the world.]

Nobody offered a strong explanation. No-body. No one has a good answer, because there IS no good answer.

The best that someone came up with was the competitive angle. As I understand it, employers began offering health care insurance during World War II, when they could not entice quality workers with higher salaries. Whatever the reason, today many employers feel pressured to set up and administer a health care system for the worst reason in the world: because everybody else does it.

Oh, I understand the dilemma. It's a terribly costly endeavor. But many employers feel that they cannot attract the skilled and experienced workers they need without offering a health care plan. Respectfully, I disagree. And... I have a better solution.

Why Not?

I want to start, though, by offering several compelling why employers should not be responsible for administering your health care plan:

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