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Do people ever try to negotiate higher salary instead of health endurance from employer and then have a private one instead?

I have never understood why health ensurance is handled by the employer in the US, why don't people buy private health insurance instead? It feels insane to put yourself in that kind of dependency on your employer.

I think the current state of things is pretty sad. I only subscribe when I use the service a lot, I would like to subscribe to more services (to avoid being the product) but they are usually priced way too high. Take worflowy for example, I use it, free tier is enough for me, I like the service but is is far from critical to me. I would pay for it but maybe 10 USD per year would be my limit. There are a lot of services like that that wants 5 USD per month or something ridiculous. I think the real problem here is the cost of payments, but I haven't researched this.

Well, there are plenty of companies operating in for example Stockholm, Oslo and Helsinki. Just like regular bicycles thre are more riders in the summer than in thr winter.