Employer provided health insurance is subsidized by the consumer only insofar as all expenses are passed on to the consumer. Employer provided health insurance, as all other benefits, is part of the cost of hiring an employee and as such is a part of his salary. Were the employer not to provide health insurance, he could pay a higher salary and the employee would be responsible for his own healthcare costs. That is the way it worked in the dark ages when I first entered the labor force.

Jim H.