Any pretty much any physical job comes with copious risks to your body and health, yet these types of employers typically don’t pay for employee health plans nor do they pay enough for employees to comfortably afford their own. Why would anybody want to risk severing a finger, breaking a leg, getting bitten by a dangerous snake, a nail to the hand, etc if they don’t have to, especially knowing they can’t afford the treatment and it could lead to lifelong pain and disability?