"Less noticeable" are the keywords. Premiums are not paid by employers. They are paid by employees from what would otherwise be part of their salary.
8 karma · joined January 21, 2019
--- https://en.wikipedia.org/wiki/Conduit_metaphor
https://en.wikipedia.org/wiki/Natural_semantic_metalanguage
https://intranet.secure.griffith.edu.au/…/natural-semantic-…