No, common sense says people and companies will chose providers with best coverage at lowest price. Insurance companies does have huge incentive to lower the premiums. I think the article is simply not well researched. The guy thinks of insurance company as middlemen who negotiates for him. That’s true only to an extent because insurance company does have to build a network. If they miss out on big players like NYU then their lower premiums are pointless. The most flexibility customers want is to chose any doctor they want. Hospitals have taken advantage of this since long and negotiatons are not simple for insurance company to build their network. Medicare is different beast.