Health insurance and restaurant workers—anyone game? Yes, it is one of the areas where insurance companies and the restaurant authorities are working. In a new development, the National Restaurant Association and insurance giant UnitedHealth Group Inc. are teaming up. The collaboration would help to make coverage more accessible to millions of restaurant workers without health benefits. This is clearly a more concrete step than the healthcare reforms that are to be implemented within the coming four years.
It is clear that this initiative, though small, could mean a new venture of great importance—it marks one of the largest private-sector efforts to expand health insurance coverage when everybody else is focussing on the government led ventures of healthcare reforms.
The initiative would mean that around 4 million to 6 million restaurant employees without health benefits would be provided health coverage. This means around 10 percent of the nation's current population of uninsured people!
The main difference between this initiative and the healthcare reforms is that there is no obligation on the company to provide health coverage—it still holds the right to refuse health cover in case of an pre-existing condition, which again would be challenged in 2014.
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