First, let me say that I think some forms of therapy are useful, if for no other reason than they are comforting to the recipient. And that psychiatric medication has its place - it's just often used inappropriately, and that's driven in large part by marketing and the way our current health care system works. This is also primarily based on
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WA passed legislation requiring health coverage for employees after a a series of studies showed that local businesses were losing more from lost productivity than the assumed cost of providing insurance. $Millions were getting flushed down the tubes on indigent care and on defaults on medical bills. This is no longer the case, and many public medical facilities were "saved" in the doing.
One thing that is different here is that the insurance companies are not legislated the way they are other places. You can't buy individual insurance for a reasonable premium, but businesses can; small businesses can fairly easily get buying power for insurance through trusts. Also, it should be noted that while companies are required to provide insurance, they are not required to pay 100% of the premium (I'm not sure what the laws are regarding that aspect) and if you think it's not worth it employees do have the option to opt out.
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