Earlier quoted context omitted.
Unlike the serf, I can go find another Lord. I can pit the lords against each other for a better deal. I can try and become my own lord. HR has a lot fewer tools than the inquisition. Fear of lawsuits reduces their toolkit even further.
Very true. Unless you have a sick family member. Until the ACA, you were 100% trapped. Now, you’re not officially trapped, only trapped in practice, because when you switch health plans, the providers who have been working with your kid for the last few years are no longer in your network, and... you get the picture.
Perhaps we’re lucky or the system is already monopsonized in our area. However, sometimes you can also get the same network at your new employer (e.g. Kaiser or other HMOs).
That said it’d be a lot better with single payer and the largest risk-pool of an entire country.