Take the employer out. Instead of paying health insurance premiums, increase wages by the amount being paid for insurance. Employee could use those wages to purchase insurance on their own. Any money used to purchase insurance should be able to be deducted come tax time.
Fine, then over the coarse of a few years your premium doubles & you can no longer afford it and, you would no longer have a group rate.....& we all know that the employer would gladly increase wages by the same amount of their health insurance coverage...sarcasm off!
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