Reply #10: Can't you get it through your head the insurer doesn't pay

[doc03]

jack shit, it will be passed on to the insured in reduced benefits or the employer will pay higher premiums. The employer pays higher premiums he will be looking for either wage concessions or job cuts. A business makes a product he has to produce it cheaper than what he sells it for. If the employers costs go up he has a choice cut costs or raise prices. For example in my industry you can't raise prices, we have to compete with someone in China making 50 cents an hour. You can't raise prices you either have to cut jobs or benefits. This isn't any socialist utopia, it's the real world.