David and John,
You are absolutely right; people would much rather spend their money on other things rather than health care. This is especially true for the young and healthy. Unfortunately, when they become ill, the employers, the more responsible employees, and the rest of society end up holding the bag. Perhaps you should require a contribution from the less conscientious as well. You could mandate this contribution. Of course that would put you at a disadvantage compared to other employers, so maybe a mandate for everyone would be more appropriate. What do you think?
