Your reading comprehension is a bit lacking. I never said you should have to pay, and rich owners should get a better deal. Perhaps you are responding to another post.
I never addressed your situation at all, but now I will—you absolutely should NOT have to do ANYTHING EVER FOR ANY OF YOUR EMPLOYEES that you do not freely agree to in a private setting. That the law apparently requires you to do so, is a very bad thing.
“you absolutely should NOT have to do ANYTHING EVER FOR ANY OF YOUR EMPLOYEES that you do not freely agree to in a private setting. That the law apparently requires you to do so, is a very bad thing.”
Oh I do agree to it, apparently its in the fine print when you start a business. Fortunately my rates are really low so I only have to pay about 2% of salarys for the insurance.