@FL
1) Yes, I am describing collusion. Who enforces that law on 1,300 companies?

2) Agreed, but ultimately it's the employer who makes the choice. The employee is usually left with choosing among 3 levels of co-pay directly related to the type of care, most of which do not cover major procedures or things like mental health. Employers who have a bottom line to worry about are arguably going to choose the cheapest broadest plan (which are carefully constructed to sell a specific model much like apple computers). But we're not talking about choice, we're talking about abuse of power in order to create the illusion of choice.

3) That may pertain to altruist pharmaceutical companies and health care prevent- er I mean providers, but my last point focused directly on doctor/patient relations. I'm not sure how the approved practitioner lists are assembled for a given plan but the average holder is certainly not free to choose any doctor or hospital they want so what does market share really reflect if ultimately public and private practices are only competing to get on the most lists? I doubt that providers are adding to those lists practices who intend on submitting the needed amount of care for each and every patient. A private practice is heavily dependent on reimbursement from providers and after the honeymoon is over, few are going to bite the hand that feeds them.