getting ready s <| sep |> Pretty good getting the name wrong of my favourite foreign film . Thanks for FingTFM <| sep |> Wait until you have kids , I use baby wipes for cleaning everything . EVERYTHING . except electronic screens . <| sep |> The paradox . Go to the gym to get strong to protect yourself ? Or stay away from dumbells so you don ' t get Clinton squashed ? <| sep |> In part because it ' s functionally a taxsheltered form of employee pay . Employees would generally have to pay more for their insurance if they went solo , and thus companies would have to pay more in cash than they would in premiums , and would lose the benefit of taxsheltering that expense . The CBO estimates this is the single largest tax expenditure every year , and that the bulk of the money benefits the wealthy , though they receive less proportional benefit than the poor because of their higher income and the phaseouts of wage taxes like the Social Security tax . Between the choice of not paying their employees at all , paying them with subsidized healthcare , and paying them more so they can pay their healthcare , I ' m sure employers would prefer the first , but the managerial and professional caste expects healthcare and would demand sharply increased compensation if employers dropped health insurance entirely . You ' re right to point out that it ' s still money getting spent , but it ' s money that reduces their tax burden and keeps the proles from striking , so it ' s relatively wellspent and they can claim they have very competitive benefits to any prospective employees , which is a useless statement because everyone says it regardless of how good their benefits actually are .