Reply #23: you can assume by the same logic...

[heliarc]

that the anxiety created by under or erratic employment causes overuse of medical benefits at incorrect times...

All it requires is a change in perspective. In my opinion the fact that I give a company 40 hours a week for a wage and no profit sharing means that I'm not getting anything for free. There is a very real cost. If I get health care paid for in full it doesn't mean that I'm a "free" man by any stretch of the imagination. It just stands as a definition of my worth as labor...

Plus... I'm not an expert on these plans... The benefits are paid for by the employer... but not the copays right? I assume there's a modest deterrent to overuse because you still have to drop a copay here and there right?