I think it's because the majority of insurance is not purchased by individuals shopping around. Rather, it gets negotiated at a company level, or commonly thro

I think it's because the majority of insurance is not purchased by individuals shopping around. Rather, it gets negotiated at a company level, or commonly through providers a level beyond that. So, you have costs and structures that are optimized for large corporations, rather than individuals purchasing. And then these purchasers also don't consider bang-for-your-buck as the top priority the same way an individual might. If you get your insurance through your company, then it's expensive, but not impossibly so, so you grin and bear it. Anything outside of that system, and now you're trying to fight against a massive tide.