There is a snake in the grass when it comes to the American health care system and its the employer based health insurance idea that the employer picks an insurance plan for the worker that is causing the health care crisis now going on in America. The employment based health insurance program was brought into being based on evading wage controls during World War Two.
The employment based insurance program has many serious and complex problems. Not every American who needs and want health insurance has a job or cannot work due to circumstances out of their control. The contributions employers make toward the fringe benefits of their employees come out of the employees’ take home pay. This is nothing but simply robbing in that the employer takes a portion of the employee’s total compensation to purchase whatever fringe benefits they “give” their employees. This process is very hazardous and detrimental to the employees and their families because when a worker looses his or her job so to goes their health insurance. For small business when one or a group of serious illness effects the business it can greatly drive up the premium for every employee. The current health care reform effort now in Congress should abolish this asinine employment based system and replace it with a system that is solely owned, controlled and bought by the worker or individual which every the case may be. The health care market place should be highly competitive, affordable, transparent and portable. The new health care system should be well regulated with public assistance when deemed necessary.
The unsubstantiated statistics that 80% of insured individuals in the employer based health insurance program are satisfied with their employer based health insurance is nonsense and is use as a propaganda tool for the captains of industry to exploit the American people. Employer based health insurance is a burdensome, exploitive and ill suited for the American work force. Some ill informed individuals believe employer based insurance keeps people in jobs with companies that they are not passionate about but fail to recognize that it is harmful to their health as well as instrumental in the exploitation of the American work force. The employer- based insurance is a kin to the old days of shopping at the company store for all one needs that give business an unfair advantage over the work force and also drives down wages because they have a captive work force. The employer based insurance program is nothing more than another tool of the “captains of industry” to enslave, exploit and steal the American people and it should die a quick and sudden death and be replace with a fairer and just system where all Americans can have affordable access to quality health care.