[nopardons]

No...you wanted the tax write-off/SUBSIDY for the unemployed, too; which IS a WELFARE payment!

Large companies get discounts, because they buy insurance for very large numbers of people. A self employed, small business NEVER gets that kind of price and neither can they write off for buying their employees health insurance.

As I said, you really DO need to rethink your position ( there ARE other answers/solutions out there, which either you don't know about, or have ignored ) since your stance is badly flawed and ridiculous.

[Praxeologue]

The alternative for the unemployed cannot be COBRA, which was free-market. It's too onerous/expensive and therefore a political non-starter. Therefore the subsidy/tax credit.

How would you do it?