Car insurance is relatively simple. I shop around, telling them how much coverage I want. They request my driving history, and give me a quote. At any time, I can shop around and change insurance policies without any problems. Once it’s time to collect payment, it’s a relatively simple matter. What makes health insurance so difficult, controlling, unreliable, and expensive? For example, with health insurance:
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Can only shop during a specific enrollment period
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Policies are so complex, the vast majority of the population can’t understand them
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It’s commonly provided in part by the employer because buying a policy otherwise is prohibitively expensive
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Insurance companies are notorious for denying payments
What would you call it? What’s your objection to the term “employee benefits”? You sound like you have an axe to grind, but I don’t get your angle.
My angle is to paid the most. If we let the person we are negotiating with to define all the terms and conditions, then there is not much room to ask for more.