My argument is in no way strongest for a single-payer system.  I despise single-payer, for many reasons.  I am free to work for whomever I choose, if they want to hire me.  If I don't like their benefit package, I don't work for them.  I know Hobby Lobby has their religious views mingled with their business management.  If I don't like it, I won't seek employment with them.
A traffic accident can kill me.  Older cars don't have as many airbags.  Should I expect an employer to buy me a late-model car, so I don't get killed in a car wreck, thereby causing them expense to hire my replacement? 
I don't believe in forcing employers to furnish health insurance, then telling them what that insurance must cover.  That is why the cost of insurance increased more dramatically after ACA implementation, than before implementation.  We don't all need the same coverages.  I would rather belong to a pool of low-risk members, than a pool that included high-risk members.  But, that makes me heartless.