Answers: That depends on whether the employer pays for your coverage or deducts it from your check. If he is paying for it himself, he is abiding money now, but losing a toll deduction contained by the future. If he take it from your check, then he will neither salvage nor lose money.
Most group plans require that the employer pay at lowest 50% of employee premium. If the group is small, and the member of staff being added is elder, or a younger female, this could effect the rates at renewal. Yes.