I offered my employees insurance. Years ago, the majority turned me down when the cost to them would have been only $17 per week. (I was going to file an advance on earned income credit and utilize a cafeteria plan.) Why decline it? Because the emergency was free to them - so why should they pay anything. This will break them and me, their employer.
Yeah, I’m paying around $600 to cover my daughter and wife in Mississippi. Literally 1/4th of my pay. But I’d rather pay that than any state run care. The only country that has successful universal health care is Japan, and that’s because they never get sick.