In the US private insurance from your employer is the only way to go. My company puts in a lot of money towards my health insurance that I lose if try to find someone else. I can in theory find a different private insurance but there is no competition as no private can afford to compete with deal my company has - either they have to provide substantially worse service or they have to charge substantially more than my employer.

Since I don't have a real choice nobody tries to serve me. Complex billing and codes I don't understand - the people paying the bills like that.