I think you have a misconception. Employers do not pay one dime of your benefits nor any of your social security or medicare. This is a myth. When anyone is hired, the consideration is not the salary or rate per hour, but the cost of employment. Yes, technically the company pays for it, but it is simply money that you don't see in the form of salary - it's the cost of employment. They cannot hire someone at $10/hour unless they can afford a cost of employment of probably $16. That's a guesstimate.
Secondly, and while it is not meant to sound harsh, why is it the responsibility of anyone to provide for the health care of anyone else? I don't think it is. I do not come from a position of great family health or personal health. My mom died of lupus and the process put our family in the poor house. I am now blessed to be able to have insurance or my family, so with three C-sections, a gall bladder removal, a hysterectomy, and 2 more medically required surgeries coming up in my family soon, I am very happy to pay the premiums.
While hard on the family, it was not the responsibility of anyone else to pay for the health care of my mom. It is a sad but true reality, but I am not meaning to sound heartless.
I do wish you the best, Prudence, and hope you never have those huge catatrophes you are referring to. They suck even with insurance.
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