The corporation gets to choose, because the corporation generally pays the lion's share of its employees' insurance premiums. In my case, I think it's about 80%... Plus which, they handle all of the negotiations (and most likely get a better price than I could on my own), and they handle the enrollment.
One might plausibly argue that corporations should get out of the middle, but we shouldn't fool ourselves into thinking that it would be easy; in fact, it might be a lot harder for individuals, and may well cost more.
they choose because the tax system favors employer based health care instead of individual based insurance. Plus it is hard to get individual insurance here in NY because I can’t buy insurance out of state and there are very few options here. so if my employer doesn’t provide insurance (or unemployed) then it is hard to get any affordable insurance.