In some cases, its not about the specific coverage, but about cost. Completely anecdotal, but a friend of mine that owns a small business had his current coverage canceled on him, and that the cost to cover his family (wife, 2 young kids) in the new system was going be about $700/month more. Sure, you can probably identify additional value that he would be receiving. In his case, the new, more expensive plan was the cheapest he could get (subject to unknown constraints that he obviously chose through the search process). In the end, he just wanted his old plan back, and was being offered something he didn't want for a lot more money.