As someone who has employed others in the past...

...this looks like just what one might expect to happen. And a good reason why tying health insurance to employment was always a bad idea.

By the way, no one ever thought-through or voted on the idea that health insurance should go along with employment. It was an accident. During WWII employers were forbidden from raising wages to attract scarce workers. But they could offer health care plans, and that quickly became widespread. And it just "stuck."

The system was less destructive in the Industrial Age, when many people had lifetime work in large stable companies. It's an absurdity in the Information Age, when flexibility is king.