Buying Health Insurance with Cash Back Rewards on Your Credit Card!

Have you seen this Capitol One credit card commercial where the guy earned $36K back in cash back awards?   He said it was enough to pay for his employees health insurance:

Last year, we spent about $30,000 on health insurance for our employees; so, just about what we got in cash back from the Capital One card.

From what I can tell online this company has 7 to 12 employees.  Let’s make the math easy and say they have ten.  So, $3000 a year for each employee covers all their health insurance?  Something doesn’t smell right here especially when you read this recent article that came out on CNN:

Employers and workers together are spending close to $20,000 for family health insurance coverage in 2018, according to a new Kaiser Family Foundation report.

Although premiums have increased fairly modestly in recent years, the growth has far outpaced workers’ raises over time. The average family premium has increased 55% since 2008, twice as fast as workers’ wages and three times as fast as inflation, Kaiser’s Employer Health Benefits Survey found.
Companies pick up most of the tab, shelling out $14,100 a year, on average. Still, workers have to pay an average of $5,550, up 65% from a decade ago.
If my math is correct, this dude had to purchase $2.4 million dollars of business “stuff” to get back $36K.  Good for him. But somehow he is paying $11K less per employee per year for health insurance?  This doesn’t add up.
So who is lying to me?