Despite all the hoopla about Obamacare and its individual plans, most working-age Americans still get their health insurance through their employers. And as countless health wonks have noted, there are lots of problems with that. Employer offerings are limited and are not portable when people switch jobs. And the tax advantages that perpetuate this situation distort the economy: They encourage companies to offer more and more compensation in the form of health benefits, and they are unfair to workers without access to employer plans.