Businesses get way different insurance rates than a single individual (or 12 individuals). It costs me $240 a month for full health coverage ($1000 deductible), dentistry, and eye from my current employer; for me to get something equivalent outside this company would cost me $3,000 to $5,000 a month. I can't afford that plus rent, plus energy, plus food.
Not all businesses are equal, not all benefits are equal.
When I worked in a call center the only insurance that wasn't pure garbage cost me $300 a paycheck.
Sorry but it's expensive being poor in America.
