Health coverage in the United States is big business with a relatively recent history. For a company like Castor Insurance, providing health coverage is as much of an undertaking as any undertaking undertaken by a modern organization. As with any business, the central objective is to ensure continued profitability and viability in an ever-changing and increasingly competitive environment. Therefore, before offering any business insurance coverage, important economic factors must be considered, such as which healthcare package best covers the needs of both the insured and the insurer. To determine the best decision about what insurance coverage to offer, it is important to understand the history and impact of health coverage in this country. While it is still widely accepted that adequate healthcare is an absolute necessity, the high costs and availability of insurance are relatively new. The first records of healthcare costs in this country date back to the late nineteenth century, when doctors and surgeons began billing for procedures. Before and even during this period, health services were often traded and bartered just as livestock or other goods were. At this point in the nation's history, health insurance was an unheard of idea. Timeline of Health Care Individual physicians were responsible for setting fees and managing expenses. Often rates could only be set based on the understood income levels of patients needing services. This meant that doctors effectively operated as much as businessmen as doctors (PBS, 2011). This was the system in place until reform began to spread throughout the medical industry... middle of paper... at the same price. From a practical point of view, insuring Constructit is the best choice. The risk assessment determined that employees' overall physical health poses less risk and less use. While obesity is a concern for both companies, Constructit, at about $572 per head per year, appears to be the better option. The profit margin is slightly lower with Constructit but it performs better than any fiscal year. In strictly economic terms, insuring the EEditors would have proven more expensive given the pre-existing conditions associated with the company. The decision to opt for Constructit was based on a risk analysis that maximized Castor Insurance's profits. With Constructit the risk was lower and the profit potential higher. At the same time, the monthly cost is within the acceptable range that employees are willing to pay.