Scott Lurndal wrote:

Here's the difference: If you don't like the way your insurance
company treats you - and your observation tends to imply that
direction - you're free to change insurance companies!

No, you're not.

First, many employers only offer one choice.

Second, non-employer sponsored plans will cost the employee much, much
more than the employer sponsored plan; and the employee may not be
able to afford it (note that the current figure for the average
family employer plan is $13k per year between the employer and
employee for premiums).

Yes you are. If you don't like the POS you're driving, you can buy another
car. The difference between a used Pinto and a new Lamborghini is one of
price, not the availability of the choice.

You can even self-insure!