@praetor @SrRochardBunson years back I read that most decently-sized companies in U.S. run their own insurance plans under the branding of an insurance company. I don’t know the full details, but it obviously has some problems for the employees. Found this page with a little more info: https://www.siia.org/i4a/pages/index.cfm?pageid=7533 In 2000, 33% (50 million) of people with private insurance through their employer had a plan like this.