So with all the talk about Health Care going on I thought I would chime in. But not about any of the governments plans. But with a question...
How is it Health Insurance became something people got through an employer?
You don't get you car insurance or home owners through your employer, so why Health Insurance.
And yes a group plan is cheaper, but wouldn't any insurance also be?
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employers need you healthy to work...so it is in they're best interest...they don't profit from you whether you own a car or riding a bike or take a bus...same indifference whether you rent or purchase your home...but they do profit from a productive healthy employee.
because if you're sick you can't show up to work.
While that might be part of it, I am not buying it. Employers don't give a rats ass if you are healthy to do the job. Especially in the ad industry. If that were true we would have the best vision insurance on earth. but that is no where near the case. And working around the clock isn't really healthy.
back in the early US, lots of blue collar jobs were accident prone. so companies offered disability (accident) insurance to those workers so if they lost a leg, they could get a fancy wooden one. I think the railroads were the ones that started this.
Over time, companies started offering more benefits and health insurance to potential employees as a lure to get them to work for their companies, since at the point, many of them paid as they needed.
We had a client that sells insurance to doctors.. i'm not a history insurance guy. just one of the things i learned a few years ago.
Wartime wage freezes mandated by the government in the early 1940s limited companies ways to lure workers for employment. Larger companies found that by offering "benefit packages" in the form of more vacation time and free or low cost health care circumvented the imposed wage freeze law.
Thank you Michael.
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