Not correct. 
MDs pay a portion of the premiums, for some surgical specialists runs into the 10s of thousands of dollars per year.

employee sick time??? Teacher or politician is sick and doesn't work that day - they get paid. MD is sick, not only do they not get paid but they have to pay overhead/employees/equipment/etc....

Depends what you the expert think is expensive equipment.....for you to point out perceived "lack of business knowledge" is somewhat Trumpian.