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      The policy owner is the guarantee and he or she will be the person who will pay for Combo shower %26 tub enclosures the policy. Thus, "discrimination" against (i.e., differential treatment of) potential insureds in the risk evaluation and premium-setting process is a necessary by-product of the fundamentals of insurance underwriting. According to the Centers for Medicare and Medicaid Services, nearly 100% of large firms offer health insurance to their employees.[24] Costs for employer-paid health insurance are rising rapidly: since 2001, premiums for family coverage have increased 78%, while wages have risen 19% and inflation has risen 17%, according to a 2007 study by the Kaiser Family Foundation.[25] However, in a 2007 analysis, the Employee Benefits Research Institute concluded that the availability of employment-based health benefits for active workers in the U.S