That "opportunity" is not worth having no company-provided health insurance, nor is it worth paying both halves of the FICA tax, except for the desperate.
I'm happy to pay higher hourly during the contract to compensate for the lack of benefits.
I'm happy to pay a (naive) employee more than they asked for because I know what the position is worth and have no interest in tricking them.
This isn't generosity, it's just good long-term business IMHO.