They're not explicit about this, but I suspect part of the reason they don't offer health insurance is that their remuneration is intended to be location indepe

They're not explicit about this, but I suspect part of the reason they don't offer health insurance is that their remuneration is intended to be location independent. Moving any fixed X of remuneration into health insurance will be wrong in many locations (in many places, standard health care doesn't require employer insurance, so the expected X for most jobs is 0, and any X > 0 is undesirable). Doing wildly varying custom health insurance setups for each employee according to their current needs seems complicated. If every 'employee' here is actually an independent contractor, can't they just pay for health insurance themselves from their remuneration however they please, and do so tax free as their own business expense?