They can give you a benefit, but like any payment they give you, it should be taxed. You are taxed on your income.
What if they just paid you all the money they use to buy insurance for you, and you paid for your own insurance. Then it would all be taxed, unless we changed the law to allow you to deduct the cost of your insurance.
You have to buy homeowners insurance but you don't get to deduct THAT from your taxes.
Are you jealous?
Or do you just like to pay lots of taxes?
Also If I give an employee a gift with a value of 200.00 or more I have to report it as income to the employee and it is taxed. We gave alot of gifts of 1000 or 2000 to some of our employess and they had to pay the taxes.