The drawbacks of employer-provided health insurance

The Wall Street Journal: When Insurance Fails
Many people assume insurance offered by their employer is a better deal than they can get on their own. But while the premiums can be lower, such policies have drawbacks. ... But whereas traditional insurance is subject to state laws and disputes can be tried before juries, with the potential for punitive damage awards, policies sold through employers typically fall under the 1974 federal Employee Retirement Income Security Act, or Erisa - with a federal judge ruling on disputes and no damages allowed (Scism, 1/7).