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IG_Semmelweisstoday at 6:25 AM0 repliesview on HN

That's no longer true. You can have ICRA etc plans, for the tax benefits.

The truth of the matter is that employers pay a humongous share of the health insurance bill, and if you shop directly, you will pay that 100% on your own.

You do have to put in a little more effort, but as an employer you can build a hybrid plan and contract with certain networks, and lower your bill tremendously.