"Employers, this is your 2nd or 3rd largest expense. If you are relying on an insurance carrier to negotiate the best prices on your behalf, you are losing.... Think you can beat this system by installing one of these giant insurers, intercepting members, and steering them to the lower-cost facilities? ... [T]heir contracts prohibit that and make it excessively hard to circumvent their byzantine, monopolistic stronghold on the system."  MORE >>