Have you ever "shopped around" for health insurance? Maybe ACA people do, but amongst 2 or 3 giant companies on the exchange..whose prices, features, benefits,

Have you ever "shopped around" for health insurance? Maybe ACA people do, but amongst 2 or 3 giant companies on the exchange..whose prices, features, benefits, etc. are basically the same. Further, most bigger companies self-insure, and only use the insurance company to provide services. So F100 company partners with Blue Cross Blue Shield just for billing, administration of the plan, etc. What does BCBS care how much surgery costs? They are getting Admin fees the same whether its $5,00 or $10,000. Does a F100 employer really have the time and energy to question whats going on? They just look at the cost last year, raise the price for their employees by %XY and march forward. Even further, health insurance is incredibly regulated, on a state level. If you have a good idea to "disrupt" the industry, its such a slog to get anything done. Your best bet is to partner with an existing insurance company and go from there.