Earlier quoted context omitted.
I must have missed the part where MetaCosm stated his developer was buying health insurance in an age-discriminating market.
He was in the US (Arizona if I remember correctly), and had been incorporated for a number of years... but I have no idea about his health care situation... the joy of contractors, I don't have to care. I give him $180 an hour for X hours, he gives me a wonderful product, everyone goes home happy.
Not really. If the contractor gets sick, it's still your problem.
I care for my contractors and always make sure they are paid enough to afford good medical care and a stable financial situation. It makes sense, even from a deeply selfish point of view - the less time they spend worrying about such things, the more they spend working.