0To prepare for this Discussion: Review the materials on critical reading strategies and on the MEAL plan for paragraphs.Read the provided article in the Learning Resources, taking note of where the a

coverage

During the World War II period, the US Congress imposed wage freezes to control high inflation in the economy. As a response, many employers began to offer health insurance to their workers in lieu of wage increases. In 1948, the Supreme court ruled that employee benefits, which included health insurance, were a legitimate part of union and management negotiations. health insurance then became a permanent part of employee benefits in the post war area. Then in 1954, congress made employer paid health care non-taxable. Employment based health care grew from that point forward. Employers began offering more extensive benefits. This began to be known as major medical expense coverage that protects against catastrophic or prolonged illness or injury. Rising premium costs limit the ability of many employers in modern times especially small businesses to offer health insurance. Even when benefits are offered by employers, limits may be placed on the ability of some employees to contribute toward purchasing employer-sponsored coverage. It can be due to the demographics of their employees and the cost of premiums and use of the coverage. Many companies offer different plan levels so the employee can chose which fits best and can avoid extra costs for all parties involved.