If employers bear the cost of health insurance, then I’m the Easter Bunny. It is fairy-tale economics to believe that “nice” employers give away health insurance, while “mean” employers withhold it. In reality, employers compensate their employees using a combination of cash and non-cash benefits. Workers bear the cost of health insurance.
As an Independent Contractor, I buy my own insurance; it’s high-deductible, and it’s expensive. Is it worth it? Hard to say, but I don’t want to be left without it.