For most privately insured Americans, health insurance is:

Question

Options

• Aemployer based
• Bfinanced by the government
• Cprivately purchased
• Dnone of the above

• A
  92% (48)
• B
  6% (3)
• D
  2% (1)

Explanation

Employer-sponsored insurance is the dominant form of private health coverage in the United States. This model took root during World War II when wage freezes led employers to compete for workers using tax-exempt health benefits. Today, because employer premium contributions are excluded from employees' taxable income, employment-based coverage remains far more common than individually purchased plans, and it is distinct from government-financed programs like Medicare and Medicaid.

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