You're painting with a broad, cynical brush. I can provide the counter-anecdote of working at a place where people who unfortunately need to take FMLA do so, and eventually return to their job without fear of retribution.
The financial side of matters are addressed by a comprehensive employer-subsidized health plan, as well as short- and long-term disability insurance that covers (IIRC) 60% of salary.
"Comprehensive employer-subsidized health plan" is a joke in the United States if you are "working class".
I am a graphic designer with over 26 years of experience, talented and skilled at most facets of my profession across a vast categories of products, materials, and applications. Am I the best? No. Design and art is subjective. Even I can judge some of my work as "meh" or just not good while I more often than not output satisfactory or exceptional end products (I have a proven track record). I work on just about anything you can print, all manner of web graphics, design for garments and promotional items (plus I can actually make them), web design, video production, UX, sublimation, vinyl cutting, 3D modeling and printing, and laser cutting & engraving. I know prepress front to back (analog and digital) and I know manufacturing processes on how to correctly produce basically any quality printed material. I have run digital presses from designing the product from scratch, approval from customer, prepress for production, and then final output. I went to college to get my worthless Associates Degree in my field of study but put in most of my formative time and effort earning that piece of paper in practice, practice, practice on my own learning and becoming the best at what I did. I started several years before college and learned the most of my skills outside of the classroom. I should have gone for a Bachelors Degree so I could earn "starting wages for an entry-level position" and actually could get a new job.
You get out in the real world and basically everyone wants design work for free or as cheap as they can get it. It has no value. To be fair, that's what we all want: the best at the lowest cost. It's fair to want that but it's a little different though when you're a human being trying to house yourself, trying to to live within your means, and eventually have a family. There are jobs out there that you earn a good living wage in this field (I have applied for them) but most employers want to pay you $15-$20 an hour which is quickly going to become the new nationwide minimum wage. Having been stuck in this wage range for the duration of my career, I can assure you it's not much to live on. It requires roommates or a spouse just so you can get by reasonably comfortably unless you live a spartan existence with extremely little extravagance.
Sorry for the long exposition, but I wanted to illustrate that I'm not an uneducated, unskilled worker (no offense meant to anyone). Everyone should be earning a good wage and have affordable healthcare regardless of vocation or training. I should be earning a good wage and should have good benefits because I put in the time and effort to get where I am. I did what American society raised me to do and it has failed so many of us.
Now to the "comprehensive employer subsidized health plan". Let me provide two real-world examples that are not painted from a wide brush of cynicism, but instead detailed with reality.
My first full-time job as a graphic designer was a good wage to start out (almost double which was quite a step up from my previous minimum wage). The company started out with pretty fair raises as a result of performance based reviews on top of yearly cost of living increases. Those cost of living increases didn't keep up with inflation (because it hasn't since the 70's or 80's) but at the time I was earning a low wage for a single man with Diabetes just out of college. I could pay my bills with the good fortune of sometimes having a few hundred dollars left over by the end of a month unless something catastrophic came up. I actually had a very small amount of savings for the first time as an adult living on my own. I limited my non-necessities, but had a few I could afford. Our insurance at the time (21 years ago) was basically $60 every two weeks, yearly deductibles were $400, and they covered a large percentage of my prescription insulin costs (the cost of having Type 1 Diabetes is like having a child). Doctor visits were a bit pricey but with the lower deductible I could reach that by the middle of the year and by then all my medical costs were covered. I didn't worry about paying for my diabetic care for the first time since I reached adulthood.
To sum it up, $120 a month from my paycheck with a $400 deductible. $1,440 subtracted yearly from my gross $27,040 yearly pay.
My wages increased during my 14 years there by a grand total of almost $6 dollars. The raises stopped coming and any cost of living increases were certainly not noticed. The company paid their executives well and bled money on projects that went nowhere so the rank and file felt it in their paychecks. They also played with our medical benefits every few years (obviously to try and save money as medical is one of those big expenses for employers and employees). By the time I was laid off in a reduction of employees, my obligation to my health insurance had increased to over $800 monthly with a $1600 deductible each year for only myself. I was lucky to hit the deductible and a lot of my medical expenses suddenly became "out-of-pocket". The out of pocket cost of my insulin had tripled to $150 a month so I started rationing my medication, which is something I shouldn't have to do to survive. I NEED insulin to survive because my body cannot metabolize simple glucose correctly without it. All so I could take care of my family, pay the mortgage and our other bills like a civilized person.
Let's just round the later cost of my insurance to $800 monthly out of my paycheck, yearly deductible of $1600. It was $9,600 subtracted yearly out of my $37,440 gross yearly pay. Quite an increase that was not covered in my paycheck. Plus this is my gross salary and not the realistic, after social security, federal, state, and local taxes salary. Quickly all the costs add up. My Net pay was absolute trash just due to my health insurance costs.
That huge cost was without my sons (one biological and two stepsons) or my wife on my health insurance. To add my family, it would have been $2400 a month out of a $3,120 monthly gross salary. That would have left me with $8,640 as a yearly gross salary. That is criminally insane. All of my kids were eventually on state-run Medicaid because we couldn't afford to add them to my insurance.
As the only beneficiary on the insurance, I eventually went from bringing home a lowly $36K a year gross salary to almost $28K after insurance. Now subtract social security and all those taxes. That's a laughable living wage for an adult with a family and a mortgage. It was the equivalent of what I earned when I started 14 years earlier. Factor that in with the (at the time) current cost of living, I was even FURTHER behind economically speaking than when I started. Then I got laid off and earned even less on unemployment. That's fun!
I will remind you that I am a well-trained, highly-skilled technical worker with a degree and currently almost three decades of experience. I'm not a high school kid with their first job but a father with a family. I also have a costly disability that I try not to let control my life more than necessary. I know graphic design is not a highly-valued career like a doctor or engineer, but this is a profoundly insane way to eek out an existence in "the greatest country on Earth".
Wages do not keep up with inflation, employers don't want to pay for the value that their employees bring, and insurance/health care costs are absolutely insane in the United States. Almost everyone on else on planet Earth agrees. If you are living well because you have a better employer with great pay and benefits that include a more affordable "comprehensive employer-subsidized health plan", I salute you for making better choices in life than me and I am truly and sincerely happy for you (if not a little jealous!). I mean that with no sarcasm. I wish you well. I find the cynical opinion about "comprehensive employer-subsidized health plans" to be very accurate based on my cynical but true experience.
From where I have been and what I have seen, "comprehensive employer-subsidized health plan" does not mean the same for most Americans. Something has to be done or the rich and our "betters" might end up on the menu.