If the owners want to take their ball and go home, let them. They're prepared and capable of surviving it financially.
The players will cave because they're myopic and terrible with money. Frankly, I wouldn't care that the players are forced to make concessions because, as I said above, it's the owners' ball they're playing with. I'm glad the players use their physical gifts and work ethic to earn every single penny they can because that's capitalism, but it's a long time coming that the NFL self-adjusts to be in greater favor of the people who are making the investment that allows them to do so.
As for health insurance, there's no obligation to pay out for people who aren't working for you. As said ad nauseum in this thread, "Go buy some like the rest of us."