It’s tied to your employer, you still pay though. So you’re kind of forced into your employers healthcare at a slightly reduced rate. If you can afford supplemental coverage it is an option. You can also pay for private insurance and opt out of your employers, but you are required to carry some coverage and if you do not have any, you are typically forced to accept what your employer offers. And most people struggle to afford private coverage which can be way more expensive, especially so if you don’t qualify for affordable care which is loosely regulated by the federal and state government. It’s a mess…

100% agree with the sentiment. Working in IT makes you realize how incapable some people can be with even the simplest computer tasks at times. What would you recommend as an alternative for secure data in the case of the average person? File level encryption instead of disk level? Wondering what would be the best way to go about getting my family to secure their private info.