Everything you’re saying would be true if it weren’t for the government and the tax structure. I want as much remuneration as possible that ISN’T taxed. My employer would really have to bite the bullet if he wanted me to buy my own insurance. It would cost me more than it costs him, plus it would paid for out of taxable income. It’s better for both of us to have it paid by the employer. The only winner if I had to buy my own would be the government who would get more tax dollars. No thanks.
“weren’t for the government and the tax structure.”
Yes, that is very true. That causes some of the benefits that only an employer can give, such as some retirement accounts and pre-tax insurance.
If we could get the nosy government out of our pockets, we could get paid better and buy ourselves better insurances and retirement accounts.