>> All the disadvantages of a monopoly, none of the advantages of a free market.
Yes. One thing I hate is the coupling of insurance and employment in the U.S. These things don't belong together. Most employers offer different "plans" but all through the same insurance company. A good question to ask in an interview is "who is your insurance provider?" Some really are better or worse. But again, it's wrong that this can even be a consideration in finding work.
Keep in mind that many/most medium size and larger companies will self insure and pay for administration of the plans.
I suppose the management contract probably won't really include terms about how aggressive the manager should be in rejecting terms (so you get what you get).
Yes. One thing I hate is the coupling of insurance and employment in the U.S. These things don't belong together. Most employers offer different "plans" but all through the same insurance company. A good question to ask in an interview is "who is your insurance provider?" Some really are better or worse. But again, it's wrong that this can even be a consideration in finding work.