Reply #20: And I think that's the problem

[supernova]

Offering different plans to different employees only chops up the pool further. This customization of plans is a good incentive for charging you and your employer more because they have to spend more on overhead to hire administrators whose job it is to keep up with who's on what plan and what is or isn't allowed on that plan.

You won't pay for this because you don't need it. I won't pay for that because I won't need it. I think insurers should just offer one standard plan that offers the same bennies to everyone and charge everybody the same rate. I bet they would have more money. And your employer would have more incentive to go talk to more than one company.