I have a friend who owns a small company with about 10-12 employees. He definitely complains that health insurance is his biggest expenditure after salaries – the amount the company has to pay is absurd. But he says that he can’t pass the costs along to his employees, because he knows they can’t afford it.
I don’t know any specifics of how much he pays or for what kind of insurance specifically – but I get the sense no one is winning except health insurance companies.