[drc500free]

Not that I've found, and there isn't much consumer choice since so much is built around the employer-provided model. You've got one for-profit entity making decisions about the offerings of another for-profit entity, and either one would happily fire you (either as a patient or as an employee) for making costs go up.

The closest US equivalents to the NZ elective insurance is probably the Medicare Supplement plans. Non-profits like AARP (a major US lobbying group / non-profit for retired people who use Medicare) sell their branding rights to for-profit companies like UHC. So even if you go through a non-profit, the actual operator of the insurance plan is a for-profit.