Actually, regular insurance, let alone HMO's, is an insidious product. Shouldn't even be legal. HSA's with HDHP's (High Deductible Health Plans for catastrophic situations only) should be what everyone uses. Minimum involvement by ANY 3rd parties in YOUR health care choices, incentive to use the doctor only when you NEED one, incentive to care what it costs, etc., etc. I can't believe some insurers are advertising themselves to employers by stressing how MUCH they intrude in your life. [eyeroll]
Or just get the incompetent busybodies out of our healthcare entirely by unrolling the original goobermint meddling and undo the special tax treatment for health insurance vs. other forms of employee compensation, lowering overall rates to compensate of course.