Thanks for the info, garysher.

I had no idea about the possibility that people would have to change their doctor when the employer makes a new insurance deal. That implies that doctors become tied to specific insurance companies. Potentially then, if a person lives in a small town and they have to change doctor because of their employer, then could it happen that there might not be a local doctor to replace the old one?

What I'm also curious about is this: insurance companies obviously want to make money. They will make more money by biasing treatments/costs towards diseases and ailments of the wealthy, than of the poor. So is it easier to get treatment for cancer, say, than it is to get treatment for, maybe, some disease asscoiated with poverty like a malnourishment related condition?

(What makes me ask is that in the UK, private medical care reputedly takes the money making stuff away from the NHS and leaves the NHS to pick up the costly treatments. In other words, private health care hospitals indulge in a lot of cherry picking because it's more lucrative, leaving the NHS and the tax-payer to pick up the bill for the rest.)

Can anyone shed light on those questions?