Final answer:
Accessing health insurance through one's employer can be problematic due to limited availability, risk pooling, and exclusion of certain individuals.
Step-by-step explanation:
Accessing health insurance through one's employer can be problematic for several reasons. Firstly, not all employers offer health insurance, especially small companies or lower-paying jobs. This means that many individuals do not have access to employer-sponsored health insurance, leaving them without coverage.
Secondly, employer-based health insurance often groups together employees with different levels of health risks. This can reduce the insurance firm's fear of attracting only those with high risks, but it can also result in higher premiums for healthier individuals who are subsidizing the costs of those with higher risks.
Lastly, even with employer-based insurance, there are still millions of Americans who remain without health insurance. This can occur due to various factors including the unavailability of insurance through the employer, preexisting conditions, or other eligibility requirements.