This is like asking if employment base matching 401k retirement accounts make retirement unfair to those managing their own 401k. Of course it is unfair, becaus

This is like asking if employment base matching 401k retirement accounts make retirement unfair to those managing their own 401k. Of course it is unfair, because life is not fair in nature. Let's be clear on one thing before starting, it's just a benefit for employees, just like any other kind of benefit offered, for example the aforementioned matching 401k retirement fund. Some employers have fabulous benefit packages, and that is fine. Another related topic here is how medical insurance used to be mostly about avoiding costly emergency room visits, which back in the old days would sometimes result in bankruptcy. And, that is fine, because bankruptcy has replaced debtors prison, and we maintain a civilized society, but I digress. Insurance used to be a safety net to avoid financial ruin in the event of an emergency, but somewhere along the way it morphed into an all-invasive pervasive part of medical maintenance care, I.E. yearly dental cleanings, or primary care physical exams, etc.. Consider this, Medical insurance used to be just like automotive liability insurance, it paid out when there was an expensive accident, but auto insurance does not pay for oil changes and windshield wiper fluid. Well that is kidna what happened to medical insurance, it's morphed into a pervasive maintenance plan, and at this point the maintenance aspect is what is most defining about medical insurance. Paying that small sum of money every month is super worth it when that ultra rare accident happens requiring an emergency room visit, but this same model does not apply well when it comes to maintenance, because then you get people with pre-existing conditions who are effectively uninsurable, because this is not a Hippocratic oath, it's insurance (I.E. business) for avoiding bankruptcy by way of emergency room visit. Still, it was an interesting perspective on insurance as an employee benefit. Not sure about the foundations, but the analogies with grocery stores was amusing.