It is public knowledge that over 10 million Americans are living without health insurance. What is the problem? Obviously, one reason is that health insurance premiums are so high many Americans are deciding to live a life with no health insurance coverage.
Another reason is that it is too difficult to get approved for health insurance if employers do not offer coverage. Businesses coordinate plan coverage and important details that are automatically granted to the employee. However, on the other hand, people without this option have to apply individually opposed to inheriting coverage, become approved for health coverage, which is not always guaranteed to all people.
Many people have been denied health insurance because of their prior medical history. Is that fair? Why should a person be denied health insurance? The same person will receive health insurance, at a reasonable price, if they secure a job with benefits. This results in a discrimination issue, I believe. When an employee secures full-time employment, there is no application for health insurance, the employer provides health insurance without assessing the medical history of its employee.
To some degree; and I believe this is illegal, but some businesses release employees on the basis of their health. But that is another topic for another day.