For that you can thank Dick Nixon, who dismantled the Merchant Marine just when I got out of the USCG and was planning on spending my life at sea.
Many of todays healthcare problems was spawned by the Nixon wage/price freeze. If you had a very productive, hard working, outstanding, employee, you couldn't give him a pay raise and so the employers devised a system to reward excellence in the work place. They were prerequisites or "perks." Group health and life insurance was created and now we know now what that did.

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