Yes, I know. I had many opportunities to go out on my own and make much more money. But I preferred to have the safety of working for companies that provided health insurance. Also, before Obamacare, health insurance was much more affordable.
I also worked for a couple employees with under 100 employees - both provided health insurance.
Life is a series of choices. If you want to accept the risk and make more money in lieu of insurance, that's your choice. The nation's health policy shouldn't be based on the choices of different people.