Should I be receiving health benefits ?

My fiancee works full time for an employer that has approximately 10 f/t employees. The owner never works. He has 2 sons that work full time in the company. I believe that they have medical insurance. If they are employees like the rest of us are, shouldn''t we be offered insurance as well ? How can I find out if they are insured or not ? I can''t believe that the owner would pay private insurance , he has a sick wife, and his sons are married with children. It makes no sense to me that he would not get business health insuarance, as I believe it would be cheaper for him. He received a letter in our checks this week telling him to get insurance on his own before december or he will have to pay a fine of $ 795.00 . I am looking forward to your reply. Thank you.