So under that business model would you be willing to start funding an HRA?
Only for myself. Why would I do that for my employees? The whole purpose of my business model is to stay the hell out of the health care business for my employees.
Does anyone in this world who is NOT an employer even understand how much money it costs an employer to provide medical coverage for their employees even beyond the cost of the insurance premiums themselves? I left my old employer and started my own company because the overhead cost of an HR staff that contributed absolutely nothing to the company's revenues made it so difficult to be competitive in my industry.