Consider this. On average most employers pay 75% of the health care costs, and the employee pays 25%. This is also a pretax deduction, so you are getting an added benefit (albeit a small one) of having your taxable income decreased.
If an option is provided, that is less than what the company is paying for your insurance, the employer may consider dropping their option.
That being said, the costs of health care to an employer are WAY more than just the 75% of the premium costs. Claims play into it as well, and the pool of employees can determine which way that goes.
I have already heard our CFO state if an option is made available for everyone, that is less than what we are currently paying, that he sees no need in continuing for paying for it.
And that is not a good option.