Today only 7% of private sector employees are in a union. Not coincidentally, worker benefits and compensation are harder to come by for most Americans. We should provide benefits like health care and retirement savings incentives independent of employment.
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@yang
Anyone (unless they make too much money) can open a Roth IRA. It is one of the best investments for retirement available.

As for insurance, I would rather see no insurance for anyone. This would force doctors and hospitals to charge prices that people could afford rather than inflate prices for the insurance companies.

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