I'm a self-employed sole proprietor (doing consulting/contract work) and I am thinking about hiring one or two subcontractors this year. A friend of mine told me that if I do that, I'll be liable for providing them health coverage. I can't imagine that being true. He also told me that each one of my clients is responsible for providing me with health care, despite the fact that I'm already covered by my husband's plan. I think all these allegations are outrageous, but he's insisting they are true. Any insights?