Companies and health insurance against American white collar workers. A well-educated man who is a husband and father receives a job with good benefits. It is common that when you start working in a job with benefits, there is a ninety day waiting period for the insurance to become effective. At this point the employee had been employed for six months and one day his young son goes for a check-up and is diagnosed with leukemia. Suddenly now you have someone who has a catastrophic illness. Medical bills are sky high and easily cost thirty thousand dollars a day in the hospital. Because your job offers benefits, there is no privacy with health insurance because your employer receives all medical bills through the company benefits administrator. This catastrophic illness can cause an increase in your company's health insurance premium. This targets you as the root cause of the increase across the board. Under the FMLA (Family Medical Leave Act) there is no protection unless the employee has been employed for twelve months. So a simple solution from the company is to fire the employee because in Texas you can be fired for no reason. Because the employee was targeted, fired, and then blacklisted, meaning he could not qualify for employment due to insurance coverage issues, the family divorced. This happened so that the spouse could qualify for social assistance only to meet the average financial needs of the child. Families believe this is the only logical solution to their financial problems. This shouldn't be the only option. What's the problem? The problem with this situation is that the company has targeted the family as liability because the child's medical situation cre...... middle of paper ...... causing premiums to increase for each individual company . Why is it advisable to adopt this solution? If we adopted this solution, we would not hit a single company or a single person with premium increases. This solution would ensure that the cost of the premium as a whole is distributed uniformly throughout the state by type of company or business. This would more efficiently balance the system. By this I mean that if an individual's medical condition caused an increase in premiums, as in my example, the increase would be less noticeable from a monetary perspective. This could also help reduce the number of people on welfare and prevent welfare fraud. Using the solution I provided, I believe this scenario should never have existed. America is the land of opportunity and unity, with this in mind we should not deprive a family of this right.