As documented in the International Journal of Health Care Finance and Economics, “businesses consistently claim that they bear the burden of the insurance they provide for employees, despite theory and empirical evidence indicating that workers bear the full incidence.” This is borne out by the fact that workers’ average hourly compensation - including both benefits and cash - has grown in accord with their average productivity for more than 70 years. Employers generally can’t compensate workers much more than their productivity warrants, or the employers will lose money and go out of business. Likewise, they can’t compensate workers much less than their productivity warrants, or the employers will lose their workers to other businesses that pay better.