You cannot escape the fact that healthcare came about because companies offered it to attract talent and to subsidize low wages during WWII.
Employers have never required an employee to be a part of their health insurance plan. An employee has always had the choice to purchase their own health insurance.
Edit: IIRC, you can take a cobra plan that matches what you currently have. You have to pay for it though.
The bottom line is this: nobody has ever been required to purchase an employers health care offering. People have always been free to buy their own policy.
I will ignore all of the above stated errors in fact and logic. Simply remove the life insurance example and debate the point made.
Subsidize? The word you are looking for is supplement. If I had to make that correction, it's a pretty clear indication that I'm wasting my time.