Comment by bloppe

Not having to worry about any of those details is the whole point of having a competitive market in the first place. Any company that isn't serious about avoiding overpayment (even to their own CEO) becomes obsolete. And yes, it's a very competitive market with thousands of players and Obamacare setting a ceiling on rates and a floor on coverage.

If the market is competitive, you can trust that you're getting what you pay for. If it's not, well then that's the problem.