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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. Over time this health insurance helped to cover many people who could not afford health insurance and when instituted by more and more employers became an expected benefit of employment, at least with higher end companies. Gradually over time, with the increases in the costs of health care, malpractice insurance, and health insurance premiums, this benefit has begun to dwindle. What used to be a free benefit became one that the employees had to pay a portion of to help absorb some of the rising costs. It is for this reason that employers could not pay for all of the inflated cost. However due to the multitude of businesses that offer healthcare insurance, people go on to pursue the inclination to offer a healthcare insurance option as an advantage of service. Regrettably, doing this started an enormous group that did not have the option to receive health-care insurance as an advantage of service, and so this started a problem for those people because they typically have lower paying jobs without the option of health-care insurance as an advantage of service, which has become an issue. Most workers who are paid less cannot pay for their healthcare insurance premiums so they are stuck in this position. Many people are under the misconception that if you are person who is working and doesn't make enough money to cover health insurance premiums that the government will help you out. This is not the case as a matter of fact regardless of circumstances an adult can not receive health insurance coverage from the government unless they are disabled. Financial need is not good enough reason for adults to receive government funded health insurance. Company based health-care insurance is actually the way we solve this problem. Even though it is not like the healthcare insurance premiums from the past, it is one of the easiest and least costly forms of health insurance coverage obtainable. There are a lot of differences to the health insurance that you get with your job today. Great rates for medical insurance can be uncovered online.
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employee benefits, employee insurance, work health plans,
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