1. A Troubled Future for America
... the perks of the job. The idea of employer-based health insurance was what Halstead and Lind called a "historical accident." (p. 66) Employers" purchased health insurance for their employees because on average it is less expensive than individually purchased health insurance because it spreads risk and lowers administrative costs. In addition, employers" health benefits are tax deductible; however, the connection of health ... insurance to work; however, in some states, personal market insurers can deny coverage to applicants based on their health status, age, family history, or any num...
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