In response to Newtster's comment:
In response to MattyScornD's comment:
What is the rationale behind a business...any business...much less a 'small' bakery with 95 workers...
...of NOT trying to provide health insurance for its employees...?
In my youth, I once worked for a woodworking shop (in Mass.) that had exactly 8 employees, including the proprietor and his wife. They had full benefits, including health insurance, 401k and profit sharing. The owner knew that a) it was the right thing to do, and b) a covered employee is usually a happier, more productive employee.
Today, he's still in business and still very successful, and his shop is up to 19 full-timers.
Anecdotal, but instructive.
Yes, it is instructive. If I had a small business I would want to do the same. Business owners that respect their employees are smart.
The key to me is that he has 19 employees. First off once you hit 50, then you are a target for exploitation by government. I have been to a few restaurants where they have converted full-time employees to part time to avoid regulartory burden. I can't blame them.
Then when you get to much larger companies, people at the top make self-serving and impersonal decisions. They are robots. Self-interested robots. Plus, they are so disconnected with their customers and their own front-line employees that they deserve no respect.
I guess the bottom line for the business you speak of is to stay small and avoid a lot of bullshiite. It does not speak well for a growing economy, but if I had a business like that I would be saying "not my problem".
Every business has costs to manage even as they expect to be profitable. And for many business owners, those costs include keeping their employees happy and healthy.
Yes, my example is of a rather small business, but there are a lot of businesses that small. A very large percentage, in fact, are but a handful of employees.
In any case, a business plan still needs to be sound. They can't expand willy-nilly without considering the added costs...which naturally includes health-care. The nature of risk-pooling means that it's better to be in the pool than out on one's own.
Restaurants are another example of businesses that fail WAY more than they succeed, and health insurance has little if anything to do with it. If they insist on protecting profits over their people, then they probably won't last, because their quality workers will go elsewhere.