Earlier quoted context omitted.
Why would anyone stick with an insurer that clearly doesn’t give a darn about them? Just for a discount?
Well, I could go with a different insurer that blatantly and brazenly lies about their network coverage[1], or I could go with one that doesn't, but still doesn't have my doctors in it, or I could go with the other one that people claim consistently denies care and coverage. Also, if 'Just for a discount' isn't a reason to use them, do you have $3,000 lying around to wire me? If you do, I'll happily switch to a much…
It’s just one firm takes, instead of more dollars, some other value out of you?
I’m not sure why the latter is more preferable. But if your sticking with it after seriously thinking about it, then that is your choice.