It is obvious that you have very little TRUE understanding of how to run a business, what profit margins are about or how to calculate a profit and loss sheet. 50 employees X10K per year per employee. Employee contribution (avg $300 per month -reduction in take home) Employer OUTLAY =$500K per year (zero rate of return) Your INCREASED outlay $3600 (average cost of health insurance per person per year ($13600 per year some are more some less) IT AINT FREE. Now U don't produce one additional dime of REVENUE "profit" for the business And you would still call the employer GREEDY? I say it is those who want something for nothing that are in fact greedy..