Yea that is the point. As an employer you pay workers comp and if you are a decent person you have a health care program for your employees. Your employees also have car insurance and property insurance. So that we all are paying about 6 to 10 times the insurance that we need. In the mean time the health industry is suffering because the insurance industry is diverting all the money. Some thing needs to be done but the Conservatives want us all to think that this is Hilary at her worst.