Ironically, the US Employer-Oriented health insurance also exists in large part because of the US response to WW2. During the war the US froze wages in order t

Ironically, the US Employer-Oriented health insurance also exists in large part because of the US response to WW2. During the war the US froze wages in order to try and prevent skyrocketing salaries due to the extreme demand for labor. To compete, most employers started offering generous benefit packages in lieu of the raises they were no longer able to offer. After the war, the larger employers found that the generous benefit packages were more cost-effective at retaining employees compared to higher pay, so they became "fans" if you will, and have supported the employer-based benefit programs in the US ever since. One concise reference: https://www.nytimes.com/2017/09/05/upshot/the-real-reason-the-us-has-employer-sponsored-health-insurance.html https://www.nytimes.com/2017/09/05/upshot/the-real-reason-th...