[aianus]

Consumers don't choose their health insurance companies in the US. Their employers choose them. And when the user != the purchaser, you don't get a good user experience, you get corruption and a race to the bottom.

[anothercomment]

OK, but people choose their employers, to some extent. Would more transparency help them to demand the right health insurance from their employers?

[aianus]

I think in the industries and positions where employees have bargaining power you do tend to see excellent healthcare plans. But that's a minority of the workforce.