The current system is an albatross around the neck of American businesses. Employer-based health insurance in the U.S. is the result of a quirk of history. During World War II, U.S. companies competed for a limited pool of workers. Fearing crippling wage inflation, the federal government imposed a wage freeze. To recruit workers, companies began offering health insurance as a benefit, which the government then made tax-exempt. Now, employer-provided health insurance covers 152 million Americans.