"So, yes, we ALL help pay for each other's medical care. And some of us are a lot more medically responsible than others."
Yes, in those instances you cite, corporate expense provides their employees that benefit. Those companies offer that perk because it enhances their ability to attract and keep good workers.
But those whom patronize those corporations do so of their own free will, not under government fiat. It is none of their business, nor do they care, what expensed the provider incurs. Their interest is in the service or product provided, it's quality and fair market value. It all comes back to the same thing, always: INDIVIDUAL FREEDOM OF CHOICE.