subject: Employer Based Health Insurance Is Not All That It Used To Be [print this page] In the beginning employer based health insurance was a benefit of employment. This form of health insurance first began in the United States back during World War II and was used as a non-monetary reward for employees given during a time where there was a salary freeze do to the war. It was designed to provide employees with free health insurance the cost of which was absorbed by their employer with no out of pocket expense for employees.
Time passed and health care insurance aided coverage for people who couldn't pay for health care insurance themselves, and therefore, there were more employers that offered this as an as a perk for employment, or at least, major companies and businesses. Progressively, with the augment in the price of health care, insurance for carelessness regular health care premiums have had their advantage, overall, reduced. A previously existing perk has now been eradicated for workers, and they usually will need to start to become at least partially responsible for rising health care costs.
This is why employers have trouble paying for all of the higher fees for health care. It is a direct result of the many different businesses that offer health care insurance, where people pursue the preference to offer a health care insurance as part of an employee compensation package. Undesirably, this is what initiated the common group that cannot receive health care insurance as a benefit, and so this problem exists for the simple reason that they usually have less compensation, never mind health coverage, and as a perk of employment, this has been a matter of question. Most employees in this pay bracket cannot afford to pay out of pocket for fees, so they are basically confined without choices.
Those who think under the pretense that if you are a person who works and do not earn a huge amount of money to pay for health care, then they can get aid from federal government programs. But really, this is not the actual problem in question, but it is rather the idea whether a working person can get health care insurance from the aid programs, no matter if they are physically unable to work. Financial needs are not a feasible enough cause to claim why it is that we need to get government aid health care costs.
Employer based health care coverage is really the only way to go. Although it is nothing like the health insurance plans of the past it is still one of the easiest and least expensive forms of health insurance coverage available today.
by: Ethan Kalvin
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