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I'm part of a union in Sweden and my employer does not have a CBA, I get from my union: income insurance (up to 12 months covering 90% of my current salary), access to free consultation with lawyers, discounts on a few services (even driving schools), and a few other benefits.

It's not a tax on employees, I consider it a quite cheap insurance.

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Yep. The main reason I joined a union was for unemployment insurance. If I lose a job I get 80% of my salary for 6 months. I also get discounted home/personal insurance and better mortgage rates. Once you include standard employer perks and you get a pretty decent quality of life without government intervention.

Insurance makes sense. It's a different kind of collective action so my brain kind of routed around it. But it's not capital C, capital B Collective Bargaining, so I can see how you'd pretty easily get the one and have more trouble getting the other.

You can shop around for insurance, you can't shop around for employers.

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