Steve nash that's not what some of the players said. (Zjori, Jay).. the consumers pick what insurance they feel best meets their needs. NOT EVERY INSURANCE COMPANIES PAY FOR THE SAME THINGS. CO-PAYS, DEDUCTIBLES, MAXIUM OUT OF POCKETS ARE DIFFERENT. I.e. I wanted a breast reduction when I had blue/cross blue shield. That was an excluded benefit, they didnt pay for it under any circumstance. I now have mhealth and they paid for my reduction. I had surgery three weeks ago...so with are you guys tAlking about. Smh