I have linked this post to an enlightening paper by the former Secretary of State of Oklahoma, Bob Burke, explaining why “opt-out” is bad for almost all of the stakeholders in a workers’ compensation system.  Mr. Burke explains why small and medium businesses would be hurt by it, doctors and other medical providers would be harmed, and injured workers would be hurt by it as well. 

http://www.oklahomaworks.org/documents/OptOutisBad_000.pdf