For those with full health care provided by their employers, the day is bright. But they are becoming more and more like rare birds. Besides the almost 50,000,000 without any health insurance who most frequently let their health deteriorate rather than sitting many hours in emergency rooms, employers are moving towards forcing employees to pay a growing percentage of the ever-escalating price tag. This book presents important information on the trends, laws, and practices in an area of vital interest to virtually everyone in the land.