I asked this one and it's not a choice many people get to make, it's an insurer provided through your employer. If you want to choose an alternative you wont be

I asked this one and it's not a choice many people get to make, it's an insurer provided through your employer. If you want to choose an alternative you wont be getting group rates and the emplyer contribution so you'll be paying much more (such that it is not a viable option for most people). They exist not because they are good, but because they're a cheaper option that satisfies some legal checkboxes.