With gigwork and independent contracting becoming a significant part of our economy, I can’t agree more. It seems archaic to bundle health insurance to my workplace. I can purchase auto, home, life, and whatever other insurance on my own, why not health?
You can buy health insurance on your own. It's just not going to be subsidized by your employer. If you thought your health care premiums through work were high, just wait until you see how much more it goes up with out the employer contribution. Easily double would be a first guess.
It is also higher due to having a poorer negotiating platform. When an employer threatens to have hundreds to thousands of workers switch coverage, it can decrease the price. When an individual threatens to switch, the result is a shrug. Scaling this up is a good reason to support a single-payer system.
It seems archaic to bundle health insurance to my workplace. I can purchase auto, home, life, and whatever other insurance on my own, why not health?
Because if you get it through your work, you don't have to pay tax on it. Also, getting it through work also decreases the risk of adverse section on the part of the insurer, making it cheaper.
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With gigwork and independent contracting becoming a significant part of our economy, I can’t agree more. It seems archaic to bundle health insurance to my workplace. I can purchase auto, home, life, and whatever other insurance on my own, why not health?
You can buy health insurance on your own. It's just not going to be subsidized by your employer. If you thought your health care premiums through work were high, just wait until you see how much more it goes up with out the employer contribution. Easily double would be a first guess.
It is also higher due to having a poorer negotiating platform. When an employer threatens to have hundreds to thousands of workers switch coverage, it can decrease the price. When an individual threatens to switch, the result is a shrug. Scaling this up is a good reason to support a single-payer system.
Because if you get it through your work, you don't have to pay tax on it. Also, getting it through work also decreases the risk of adverse section on the part of the insurer, making it cheaper.
“Because if you get it through your work, you don't have to pay tax on it.”
That’s not a natural law but something that should be changed immediately. There is no justification for this.