"If there were no "community rating" and 'guaranteed issue,' only healthy people would be able to buy health insurance."
       -- Absolutely false. Go look up the term "adverse selection,"  Unhealthy and those at risk sign up for insurance every day: it is both known by providers and built into insurance providers' pricing models.  Would you say those prices go up or down when they now have to take everyone, regardless or risk?  Sad.
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Employer-provided insurance is no longer required and was only required because of....(once again)...government, who set artificial pay limits to employers.  It's now the "bundled cable" of insurance coverage: prices are only that way because you're pooled with a large group and are paying for coverages you would never need or want.  Now, the individual who wants coverage can't stack up to the artificial pricing that an employer can get, and is therefore incentivized to jump on the wagon and get employer-granted insurance.  Sorry, Bernie.