Say that I get a job, and one of my benefits as an employee is health insurance. Does this mean that I either have to (1) accept the employer's health insurance unconditionally or (2) refuse and find an insurance company to get health insurance from OR, are people able to negotiate what kind of insurance they want with their employers? Or do some companies allow negotiation and others don't? I don't get it. Does accepting employer-provided health insurance mean you lose freedom to choose or something? Thanks.
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In many cases an employer gives you a chance to review a few different plans. Then you pick the one that best fits your needs. It will be your choice. Unfortunately, each plan has goods and bads and you need to compare each closely. Remember the more you want the pricier they get. This is not much different then if you went out to get a plan yourself.
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