Clydesdale,
I'm a small contractor, 2 man shop in fact. At one time I had four employees and paid 100% of the health insurance bills. I was still paying 100% while the big companies were starting to make their employees pay part of it. Then my rates got to the point that I no longer could afford to pay 100% and I had to ask the empoyee to pay part of it. I'm sure there still may be employers out there that pay 100% of the insurance but I know I no longer can. But I will say this, I could never consider myself a successful employer if I didn't do my best to provide health insurance for my employees. The problem is finding the coverage at a reasonable rate with good coverage. And you are right, health insurance is a part of overhead. If it isn't in there you have to raise your prices. So many people are afraid to raise their prices yet if they would they would find they haven't lost a single customer.
Ron
