It’s not just when you change jobs. My wife handles large employer groups and the insurance companies ask for a 15% rate increase every year so the employers ha

It’s not just when you change jobs. My wife handles large employer groups and the insurance companies ask for a 15% rate increase every year so the employers have to threaten to switch every year to negotiate down then actually switch every other year. It’s a wasteful, useless game. Even if you stay at same employer, your insurer and networks will regularly change.