Agreed healthcare is changing. I will say, however, that the ICHRA was one of the few healthcare related initiatives with pretty strong bipartisan support. The SBA (Small Business Administration) lobbied for it.
To your point on employees quitting - one of the benefits of Savvy is that if you change jobs, your insurance can stay with you as it is no longer tied to your employer.
Interesting, so sounds like that regulation will stay unless some radial major change like some candidates are promising but who knows, plus the whole socialized medicine thing is a huge debate anyways. Some people say they love there's in Europe and Canada, yet there's some horror stories too like long waiting lists. I kinda feel either our system and the other systems none are perfect unfortunately.
Sounds like other businesses are built around specific regulations too, like tax software so I guess it's probably common and adds value since not everyone reads or understands everything, and a ton of this sort of stuff is probably easy to screw up if you try and do it on your own without the right tools or people helping. So sounds like when things change they got to follow the news of new stuff, catch up and implement things.
However I'd think some of those software providers are used to changing things year to year. But also wouldn't surprise me if they have some sort of framework in place to make changes without rewriting code all the time. Sounds like a similar story with some of the big ERPs, seen a post on HN recently talking about how those can get messy too.
I guess similarly to if you build on top of Facebook or Apple though, things change when you don't own the platform but they seem to have much better APIs since (It seems a lot of gov stuff is still pen and paper), examples and documentation. Plus if you mess up your iPhone app, chances are they won't publish it and get delayed so less draconian.
To your point on employees quitting - one of the benefits of Savvy is that if you change jobs, your insurance can stay with you as it is no longer tied to your employer.