For years, employers have decided which medical treatments were covered, which hospitals and doctors were in network, which prescriptions were included and how high to set deductibles.
Workers have the option of buying individual coverage if they don’t like the company plan, but that’s usually impractical. Most employers contribute a hefty share of the monthly premiums, and workers and employers get a valuable tax break on the benefit.
The system can work brilliantly if you work at a good company. But why should health care — or your choice of birth control — depend on that?
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