[rectang]

Health insurance is a major component. However, the broader theme is the offloading of risk from the company onto their workers, including not only health risk but also for example, accident risk.

Most rideshare drivers are not properly insured — while passengers are well-covered, the drivers and their vehicles are not. Because the drivers are contractors and must navigate the insurance system as individuals, many do not possess adequate knowledge and statistically speaking, a large number are guaranteed to make mistakes when purchasing coverage.

If drivers were employees, then accident coverage for drivers and their vehicles becomes the responsibility of the rideshare companies. There would be fewer bad outcomes for drivers, but because the rideshare companies would bear greater risk, their profits would be reduced.