A majority of Americans have no choice in what carrier they are covered by. I'm not going to go to the marketplace when my employer will foot the bill for a significant chunk of my premium. Insurance carriers and hospital systems negotiate negotiate what is paid for an how much will be paid. If a carrier can't get a contract set up with a hospital system in a particular area and another carrier can, it's not uncommon for the carrier to stop covering people in that geographic area. In some areas, there may only be one or two carriers that can offer competitive pricing. Your employer isn't going to stick with a more expensive choice for the sake of having that second or third option. This isn't Coke vs Pepsi. I'm sure members can still go to these cancer treatment, but the claims will be treat as out of network and the members will be subject to higher maximum out of pocket expenses. Insurance isn't healthcare. People need to look at their coverage as stop loss protection. You're going to pay for most everything outside of your preventive visit. Once you hit your deductible, the carrier will pay a percentage of eligible claims, but you still have to pay a portion until you he another threshold. The carrier is going to do everything possible to pay someone less. This is what we get when we treat everything like a free market transaction. Your premium goes towards claims, broker commissions, technology vendors, employees, employee compensation, shareholders, overseas vendors (customer service, quoting and claims processing). It's a huge bloated mess. One huge bureaucratic government agency could do a far better job at managing how we do health care, but it won't happen because we have massive companies with deep pockets who can use their financial influence to persuade lawmakers to keep the status quo. Your paycheck deductions for premiums may as well be called a tax. It's just not a federal or state tax.