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Employer-tied healthcare arose from WWII, when wages were frozen by law but employers needed to attract workers as many men were off fighting. The system of it being an employee benefit arose.
There is the Affordable Healthcare Act (ObamaCare) exchanges that are one-stop shops for people to buy insurance if they don’t have access to employer plans, such as people who work for themselves or don’t qualify for employee plans.
But if you can get through workplace, it’s often cheaper for better coverage since employers subsidize a good chunk of cost.
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