Any software engineer should be able to find work as a W2 employee with benefits good enough that i.e. healthcare costs are not something that ever crosses your mind. I suggest researching compensation norms, as I suspect you are wildly underestimating your market value. If this isn't true in your location, you might need to move to a larger city. Our skills are in high enough demand that none of us should have to rely on legal protections to be treated well.

There are no job-security advantages to being a regular employee, by the way. Employment in essentially all of the US is at-will.