I had some one call me and request a group quote for his business. He has 120 employees but does not want to contribute for any of the employees insurance at all, nor does he have enough that want to participate, because they are already on a spouses plan, so group is not an option. I recommended individual policies or even HSA's and he could even possibly contribute to the HSA account. He said no way, they were not going out give any insurance benefits. He just wants to be able to offer it? I have had a lot of business owners wanting to offer it, but not pay for any of it. What do you say in that situation?