My wife and I are self insured, the concept of employer based insurance is the same as Costco, buy in bulk and save. I guarantee there is no savings cutting loose from the group. Where my wife and I see savings is by shopping around for doctors and dentists who give a discount for paying in cash for minor things. 20 to 25% or I go elsewhere.
Our Health insurance is the equiv of 2.50 an hour in wages, that is not the reason companies outsource, the 30 cents an hour wage a chinee factory worker makes is. The lack of much concern what the factory dumps in a river is. Worker survivability isn't as big a concern when millions are waiting to take a maimed worker's place. Living 7 in a tiny barrack style room is.
It is interesting some support tariffs to protect American workers driving up the cost of goods but balk at healthcare because they figure it would do the same.