Commentary: Employer-based health insurance plans no longer work

Change is coming to the U.S. healthcare system: President-elect Barack Obama wants it, Congress wants it and even the insurance industry wants it, says Los Angeles Times columnist David Lazarus. But the idea of doing away with the employer-based insurance system seems to be off the table, even though it has become increasingly unsustainable for businesses and has resulted in 47 million Americans going without coverage, Lazarus says.