Employee benefits (particularly medical coverage) are privately funded in the United States. The US Government does not provide non-government or non-unionized employees benefit coverage outside of unemployment, welfare (for those with no employment and no income), Medicare (public medical coverage for old age and eligible no income residents) and Social Security (retirement funding paid after age of 65 and disability). Although the US Residents pay taxes for Medicare and Social Security these benefits are realized in situations of loss of employment, retirement, and disability.
This is the main reason for the health crises debate that exists in the US. In short, if you do not work for a company that can afford a formal Private Benefit Plan/Package you have little to no protection and coverage.
Employers need to offer Benefit Plan/Coverage to attract employees and talent. Although benefit plans are costly and not legally required for small employers, majority of prospective employees will have benefit coverage as a requirement for their employment with an organization.
Employee benefits in the United States include Medical Insurance, Prescription Insurance, Vision Insurance, Dental Insurance, Retirement benefit plans (pension, 401(k), 403(b)) – the most sought after and common-, Health and Dependent care flexible spending accounts, Group term life and long-term/short-term care insurance plans, Legal assistance plans, Adoption assistance, Child care benefits and Transportation benefits.