If it ain't illegal, the fact that it's immoral is irrelevant.
That parallels what Howard Cosell once told Al Davis about his attempts to move the Raiders out of Oakland: "Legally you're in the right, morally you're in the wrong." This pretty much applies to so much that goes on nowadays in the radio and non-radio world.
BTW, go to your local health insurance company's websites and check out their monthly premium plans and see if you can afford to buy this yourself. For the uninsured In NY(who have a little income), there's Healthy NY, but it's one crappy plan and the rates go up every year. For most folks, employer plans are the only thing they can afford.