I work for a small business that protects and heals our most vulnerable population. While we would love to pay for insurance for all of our 1099 folks, it is impossible. The costs of insurance is far too high to be affordable. As our business grows we hope to be able to offer packages. Businesses simply can't stay alive no matter how much they want to do this for their people. It is so expensive. Our business depends on public sector dollars not private sector. It can be quite different but we do create jobs and want to continue on this road.