It really does not matter if they're tax exempt at payroll disbursement time or as a deduction on filings. The trouble with employer-based health care is much

It really does not matter if they're tax exempt at payroll disbursement time or as a deduction on filings. The trouble with employer-based health care is much more about the fact that employers get a volume discount that individuals or small businesses do not. Even then when Ive worked W2 contract, I've had health care offered by the contracting company for reasonable amounts.