This piece takes a glaring misconception and weaves a false tale of tragedy for non-union workers. The appropriate function of insurance is to protect the insured from risk. In the health arena, risk should be defined as "unanticipated illness or injury." The idea that an employer should be responsible for the cost generated by an employee's choice to bear children is ludicrous. Employees performing similar jobs may incur widely-divergent employer-borne costs for health coverage for their spouses and dependents. If an employee with no dependents is doing the same job, producing work of similar quality to one who has five dependents, the employer should either pay the dependentless person for NOT costing the company money, or the dependents of the second employee should not be covered at company expense.