[the_bear]

The tax benefits and better rates (which I think is a myth btw, but it shouldn't effect the argument either way) would be there regardless of who pays. It's still a group plan, the question is just about who is paying for it.

So given that, the difference between "we offer free health insurance" and "we pay you extra and let you opt in to health insurance" is purely academic for someone who wants to be on the group plan. Both the company and the employee end up with the same amount of money in the end, and the insurance is the same.

The reason I'd prefer letting people opt in is because it gives employees more choice. Maybe they want to use a different carrier. Or they get free insurance through their spouse's work. Or they're on Medicare. At the end of the day, it seems really paternalistic for a company to say to its employees "here are the things we want you to have, and instead of letting you choose, we're just going to buy it for you." All else being equal, I prefer a world where employees get money and spend it how they want.

Having said that, since there's no way to do that while also getting the convenience and tax benefits of a group plan, we decided to compromise and go with the employer-subsidized group plan rather than giving employees total freedom.