Employer-sponsored coverage

Employer sponsored health plans are wrecking health care. They insert an unnecessary layer between the individual and health care. Employers should end health care spending. Instead the amount currently spent on health care should be givene directly to the employee as salary. Employees can then purchase health care directly. Individuals would be free to buy as individuals or collectively in Health Care Unions.

The rise of employer-sponsored coverage
from Wikipedia 2012-11-11

Employer-sponsored health insurance plans dramatically expanded as a direct result of wage controls imposed by the federal government during World War II.[17] The labor market was tight because of the increased demand for goods and decreased supply of workers during the war. Federally imposed wage and price controls prohibited manufacturers and other employers from raising wages enough to attract workers. When the War Labor Board declared that fringe benefits, such as sick leave and health insurance, did not count as wages for the purpose of wage controls, employers responded with significantly increased offers of fringe benefits, especially health care coverage, to attract workers.[17]

President Harry S. Truman proposed a system of public health insurance in his November 19, 1945 address. He envisioned a national system that would be open to all Americans, but would remain optional. Participants would pay monthly fees into the plan, which would cover the cost of any and all medical expenses that arose in a time of need. The government would pay for the cost of services rendered by any doctor who chose to join the program. In addition, the insurance plan would give a cash balance to the policy holder to replace wages lost due to illness or injury. The proposal was quite popular with the public, but it was fiercely opposed by the United States Chamber of Commerce, the American Hospital Association, and the AMA, which denounced it as “socialism.”[21]

Foreseeing a long and costly political battle, many labor unions chose to campaign for employer-sponsored coverage, which they saw as a less desirable but more achievable goal, and as coverage expanded the national insurance system lost political momentum and ultimately failed to pass. Between 1940 and 1950, the total number of people enrolled in health insurance plans grew seven-fold, from 20,662,000 to 142,334,000,[22] and by 1958, 75% of Americans had some form of health coverage.[23]