Assume that laws gave people the expectation that they could just step out in front of a 3,500 pound moving vehicle and it would instantly stop. The world would probably be a lot less safe for pedestrians than it is today. The laws of physics come into play to at least some extent.
One potential difference is that for many things that are capital expenses (a building for example) a business is likely to take out a loan in order to buy it, so they don't have the full expense up front. A bank is probably not going to loan you money to pay your developers at the same terms they will loan you money to buy a building.
It is not just the tax break that makes it cheaper for corporations to buy insurance. Companies with a lot of employees pay a lot less than individuals because they pool the risk. Back before ACA you used to be able to get in a pool with, for example, other small business owners and pay an amount similar to what companies pay but as an individual. ACA made those plans illegal and insurance that used to cost $500 per month jumped to $1800.