Many insurers no longer sell policies to small employers and professional groups.

"Part of the problem is that the transit industry has not developed and widely sold to employers the mechanisms for doing this," he said.

Free workers could sell their labor to employers on their own terms.

Both companies concentrate on health insurance sold to employers for their workers.

They were provided free to Canadian universities and sold at below cost to employers.

"I, for instance, came away with a much better understanding of how to sell my experience and skills to prospective employers."

In the job market, potential employees seek to sell their services to employers for some wage, or price.

But it is difficult to sell that concept to employers.

For plans sold to individuals and small employers, at least 80% of the premium must be spent on services and quality improvement.

"The work experience program is designed to help give people experience that will help sell them to employers."