Don’t forget your employer doesn’t ‘pay for your healthcare’, they have a budget set aside from your annual salary - if they didn’t have to pay as much for your

Don’t forget your employer doesn’t ‘pay for your healthcare’, they have a budget set aside from your annual salary - if they didn’t have to pay as much for your healthcare they’d be able to pay you more (and capitalism suggests if a competing employer did and yours didn’t, the former would win long term).