31.   Gabel also noted that one-third of all workers whose employers offer health insurance benefits do not participate in a company-provided plan.

32.   His employer does not offer insurance, and he is ineligible for Medicaid himself.

33.   His employer offered to send him to school.

34.   Higher costs matter because the ranks of the uninsured are swelling as companies cut back coverage and workers turn down coverage offered by employers because of its cost.

35.   If the new employer did not offer insurance, then the insurance company would be required to provide individual coverage.

36.   If they can do that, an employer must offer a legitimate, non-discriminatory explanation for an employment decision.

37.   If your employer offers an old-fashioned fee-for-service indemnity plan, consider switching.

38.   If the economy is strong, Republicans predicted, more people will have jobs and more employers will offer health-care benefits.

39.   If your employer offers a question-and-answer session on benefits, go armed with questions.

40.   In corporate layoffs, many employers commonly offer workers enhanced severance pay if they sign a waiver of job-discrimination claims.