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Old 09-04-2013, 10:21 AM
 
Location: Barrington
63,919 posts, read 46,758,281 times
Reputation: 20674

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Quote:
Originally Posted by pnwmdk View Post

WWII introduced profound government involvement, by the act of limiting employee pay. To attract employees, employers often offered non-monetary compensation as incentive to keep or gain needed employees.
I think WIKI might be a tad off on this one.

To the best of my knowledge, FDR's executive order was never implemented.

The unions fought for healthcare insurance and the first employer sponsored healthcare benefit happened in Texas for the Dallas Teachers union in the 1920's.

There was a labor shortage during the war years that persisted in many sectors into the 50's and 60's.
This timeframe also coincided with the peak union years. By the end of the 50's 70-75% ( depends on source of information) of employees were covered by employer sponsored healthcare plans.

Employer sponsored healthcare has been on the decline since 2000.Not all group healthcare policies are the same. The high deductible low cap policies are often useless for routine medical visits or serious illness/hospitalization.
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Old 09-04-2013, 10:23 AM
 
Location: Barrington
63,919 posts, read 46,758,281 times
Reputation: 20674
Quote:
Originally Posted by jojajn View Post
When a storm hits and causes massive damage, everyone's house insurance goes up. Just ask those who live in Florida.

Insurance can charge more for those who are higher risk, however, all of those in the insurance pool are charged according to the cumulative risk and payout.

Therefore people who have extremely high medical expenses, cause everyone in that insurance pool to pay more. Why do you think health insurance premiums have gone up a lot in the past 20 years for healthy people?

BTW, healthcare costs much more than a new car or home and we don't go without car or home insurance.
I believe all but one state mandates auto liability insurance. The exception allows the car owner to demonstrate his ability to absorb the liability without insurance.
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Old 09-04-2013, 10:24 AM
 
Location: Barrington
63,919 posts, read 46,758,281 times
Reputation: 20674
Quote:
Originally Posted by jojajn View Post
Some people can't help the diseases they get. You cannot order your disease from a menu.
In other words, it's not a personal choice.
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Old 09-04-2013, 10:31 AM
 
18,804 posts, read 8,477,217 times
Reputation: 4130
Quote:
Originally Posted by middle-aged mom View Post
I think WIKI might be a tad off on this one.
WW2 and associated central wage controls were indeed the initiating factor making work related HC coverage a reality.

Health insurance in the United States - Wikipedia, the free encyclopedia
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