It was initially intended as a cost-savings tool by which large corporations could get coverage for operations and liabilities that would have resulted in higher premiums had they sought coverage from traditional insurance companies.

FORBES: Why Companies Are Opting For Captive Insurance Arrangements

All people in work and their families enjoy the same benefits, just as all employers face the same liabilities for coverage.

ECONOMIST: Southern Italy

"A government-run plan would dismantle employer-based coverage, significantly increase costs for those who remain in private coverage and add additional liabilities to the federal budget, " says AHIP spokesman Robert Zirkelbach.

FORBES: ObamaCare