Questions "should your empoloyer..." and "is ethical..." are different. I'd answer the first one, "should you employer...", as "no". The rationale is that heal

Questions "should your empoloyer..." and "is ethical..." are different. I'd answer the first one, "should you employer...", as "no". The rationale is that health care ideally should come equal to everybody, including those who don't have employer or whose employer doesn't pay for any reason. That likely means that the government should be (more) involved.