@McGentrix,
McGentrix wrote:
If my company did not offer health insurance, I would not work for them. That is why we have the employer based health care "scheme". If you want quality employees that are willing to work for you, they must be compensated for what they do. Health care is a benefit for working for an employer. It is erroneous to think that people will just work straight with no "extra" or "fringe" benefits. Health care, paid vacation, sick time, etc. have evolved in the US as a standard expectation for full time employees.
Vacation, sick time, those make sense in relation to employment. But why should all of the money I paid in suddenly be worth nothing simply because I no longer work for my employer. And make no mistake, my employer only pays a fraction of the cost of the coverage, I pay the rest, though conveniently pre-tax. The reason why employer sponsored health insurance is usually cheaper for individual policy holders is because of insurance pools. The bigger the company, the bigger the pool and the more you can spread the risk. The smaller company, the smaller the pool, and you get the idea. But these pools are artificial concepts. I've had the same insurance carrier for several different companies -- shouldn't the pool be the entire population of people that the company insures?
Quote:Is there a law that stipulates any of that? I ask because I really have no idea. I believe an employer is allowed to offer zero benefits but they will probably get the employees they deserve.
I think that companies of a certain size have to offer it, yes. I can't swear to it though and will look it up.
Quote:The US has never had any sort of socialized medicine program. I'd be fine keeping it that way.
We never had public education until we did. Regardless of of the problems with the system, I'm glad we have public education and will be glad when we have public health care as well.