Final answer:
The main way to prevent job-lock due to employer-sponsored insurance growth is by selling insurance through employer groups or state government-sponsored health exchange markets. This allows for a diverse employee pool and reduces the risk of attracting only individuals with high health risks.
Step-by-step explanation:
In the U.S. health insurance market, the main way of preventing job-lock due to the growth of employer-sponsored insurance is by selling insurance through groups based on place of employment or state government-sponsored health exchange markets, as seen under The Affordable Care Act.
By offering insurance through employers, insurance companies can mix together a diverse group of employees with varying health risks, reducing the risk of attracting only those with high risks. However, it is important to note that not all companies provide health insurance, and many lower-paying jobs do not include this benefit, resulting in a significant number of Americans without health insurance.