One of the least known factors in American health care is that many large employers operate the health insurance directly, and at a profit. Many large corporat

One of the least known factors in American health care is that many large employers operate the health insurance directly, and at a profit. Many large corporations are the health insurance provider for their employees, and then contract the administration of the insurance to one of the known brands like AETNA or Blue Cross or whatever. So, they are one step ahead of you. Not exactly what you meant, but a more profitable version.