@Floki_ Years ago I did research for a judge who wanted to order insurance companies to cover spouses after a divorce. I found out that almost all health insurance in America is ERISA. Federal. A state judge can't order a federally regulated insurance plan to do anything.

Each company (mostly) picks a cafeteria plan with the best/cheapest in ERISA and the most expensive/most limited being state regulated.

Seems to me employers should use the same plan and we'll call in national health care.