ive been an orthodontic associate for about a year in a private practice - and have had to seek out and pay (heftily) for my own medical insurance. (not to mention disability, malpractice, etc etc). as it was the only job of its kind in the area i wanted to live, and there were about 20 people wanting the spot, i felt like i did not have much room to negotiate benefits when i started the job. now, with the economy tanking, i'm just thankful to HAVE a job. anyways, i realize it is hard for small employers to provide insurance, but it seems kinda shameful. what is the norm out there?