> Why would insurance companies not just scrap the middle man and build their own thing? Maybe I'm wrong (I'm a user of Zenefits but only from the employee sid

> Why would insurance companies not just scrap the middle man and build their own thing? Maybe I'm wrong (I'm a user of Zenefits but only from the employee side) but Zenefits seems to bring all of the disparate services (generic HR forms, payroll, insurance) together in a single place with flexible insurance coverage. If an insurance company did this I don't think they could offer as much unless they're going to branch services out. Plus this let's a company switch out insurance providers without changing services.