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Guide to Employment Law. Currently, there is no federal law mandating employers to provide employees with health insurance coverage, and many states do not require employers to provide it or any other health coverage.
Workers Compensation laws require most employers to obtain workers' compensation insurance. In exchange the laws provide that, for the most part, employees can't sue their employers over workplace injuries. With worker's compensation, the employee doesn't have to prove that the employer's negligence caused the injury. In fact, the employee can be compensated even if the employee's own negligence caused the injury. However, there are some instances when an employee's injuries won't be covered.