Talented employees want to work for companies that offer health plans: Buying health insurance on their own in the open market is usually far more expensive because UnitedHealth Group, Aetna and other big insurers prefer to spread their risks underwriting large groups.

FORBES: Magazine Article

The remaining spread of the mortgage rate over the Treasury yield represents the risk of prepayment and underwriting costs.

WSJ: Low-Interest Mortgages Are the Answer