[molotovh]

And for the kind of jobs we're talking about (outside of maybe start-ups that haven't got benefits figured out quite yet), the commercial insurance offered by employers tends to be quite good. As a personal anecdote, my wife has a union job and I do not. She switched to my healthcare insurance because the benefits were better than what the union offered. (In a pure analysis, my job is technically less secure, but realistically I am in no danger of losing it. When correctly managed, increased risks yield increased rewards.)