The employer buys the AI subscription, not the employee. An employee that sends company code to an external AI is somebody looking for troubles.
In the case of contractors, the contractors buy the subscription but they need authorization to give access to the code. That's obvious if the property of the code is of the customer but there might be NDAs even if the contractor owns the code.
If companies have very little no of employees, AI companies are expecting regular people to pay for AI access. Then who would be buying $200/month for a thing that took their job? By cutting employees strat, the AI companies also lose much more in revenue.