I'm not sure if the option is worth the increased cost either, but at a glance it seems convoluted. Why is the employer even involved? Is there a reason private

I'm not sure if the option is worth the increased cost either, but at a glance it seems convoluted. Why is the employer even involved? Is there a reason private companies could not utilize the economy of scale and provide solutions? Why did this become a threesome? Insurance should be between me and my insurer.