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33-1
Health Care and an Employee Benefit
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Health care benefits represent the most popular insurance benefit offered by employers.
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Fewer than 10 million persons, less than 5% of the total population, obtain health insurancecoverage under individual policies.
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The overwhelming majority of persons coveredby private health insurance obtain their coverage under group plans, usually sponsoredby an employer.
 
33-2
Dominance of Employee Benefitsfor Health Financing
There are two reasons for the overwhelmingdominance of employee benefits as a source of financing for health care benefits.
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Favorable tax treatment of health careprovided as an employee benefit.
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Economy of the group insurance approach,which makes group coverage cheaper thanindividually written coverage.
 
33-3
Contributory-Noncontributory Plans
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Health care programs are often written on acontributory basis, meaning that the employer and employee share the cost of the program.
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Often, the employer pays the premium for theemployee’s coverage, and the employee paysthe cost of coverage for dependents, but other cost-sharing arrangements exist.
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