I think you are missing a part of the Federal Healthcare Insurance Mandate (part of the ACA): the mandate is on the worker, not the employer. Many employers hav

I think you are missing a part of the Federal Healthcare Insurance Mandate (part of the ACA): the mandate is on the worker, not the employer. Many employers have no insurance benefits for their employers. And then the other part of it: the penalty for not having healthcare insurance was deducted to $0 at the end of 2018. So there is currently no penalty at all (other than the massive ones if you get sick) to not carrying insurance.