Surely , if clarity was what you ' re going for , fish and chip shop would have been better P <| sep |> It ' s actually way better to have the employer making the choice for a few reasons . I was working in the states and had the unique joy of having to choose my own plan from a private exchange . People are BAD at making decisions under uncertainty , and it would be absurd to have every single person spend the time to thoroughly research every option and make the best choice . It ' s much more efficient to have one informed person doing the choosing . Further , I think individuals picking their own can lead to some anti selection , which would raise premiums . <| sep |> Did you not read the flair . <| sep |> Juste pour rappel , ce n ' est pas parce qu ' on reprsente En Marche qu ' on est fan absolu de Macron , le progressisme est notre volont commune . S ' il appelle son bouquin rvolution , c ' est certainement parce qu ' il pense qu ' il est temps de faire changer les choses . et a passe par l ' action de tous , non par un report de la responsabilit des choix politiques aux classes politiques historiques , donc venez !