I thought with the huge premiums the big casinos must pay for health insurance, it was cheaper for them to be self insured. That is, each casino or casinos pool the premiums and act as their own insurance company and pay for services from the pool and keep the dividends from the invested monies in the pool or the casino.

My spouse works for Bicycle Casino in Los Angeles. They allot a specific dollar amount for all benefits and give the employees a menu to choose from. Then spend the "premium dollars" as they feel appropriate. If health care is not a higher priority to life insurance so be it. Its the employee's decision.