Then, if they are denied the care, they could take their health plans to court for breech of contract, just as they would under any other contract arrangements. Because they don't own their health insurance policies and therefore have little recourse in either the marketplace or in the courts. Most Americans receive their health insurance as a benefit through their jobs. But that means that the employer, not the employee, owns the health insurance policy. Employers decide which health plans employees will get and they negotiate the terms.
Employees are limited to the health plan, or plans, their employer offers.
This can make a policy several thousand dollars more expensive than the one their employer offers if they can find one to buy at all. The culprit lies in an obscure provision in the tax code that dates back to World War II which ties health insurance to the workplace for most Americans. Workers can get health insurance as tax-free compensation only if their employer writes the check for the premiums. This tax provision drives many of the problems in the health sector and is directly responsible for the loss of control that rightly infuriates so many American workers. When President Clinton said he would enact his plan little by little, he wasn't kidding.