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Health-care Insurance Coverage At Work

by

Ethan Kalvin

Many of us were able to obtain insurance from our jobs as a plus for our services. This sort of health care insurance basically began in America as we went through the Second World War, and was put in effect to pay employees in a different way besides monetarily, during such a period when there was not so much funding available. It was planned to provide personnel with health care insurance to increase the profits of their company, which in turn, allowed them to choose not to pay out worker expenses.

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 only makes sense that employers could only pay a portion of the exorbitant expense, however due to the number of companies offering health insurance many continue to follow the trend as offering a health insurance plan as a benefit of employment. Unfortunately, doing so created an entire group of people who didn’t receive health insurance as a benefit of employment and this created a void for many people as it is usually those who have jobs with a lower pay scale that don’t receive health insurance as a benefit of employment and this has become a catch all. Most employees who are on a lower pay scale can not afford to pay their own health insurance premiums so there is little help for this group.

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.

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.

There are many different

individual health insurance

providers to choose from. Quality

Group Health Insurance

has affordable rates.

Article Source:

ArticleRich.com