Tell that to my insurance provider, the only insurance provider I am allowed to choose by my employer.

Or my doctor's office, the only doctors office that treats my ailment that my insurance provider calls in their network. They use AI customer support. They just fired 80% of their receptionists and replaced them with kiosks.

Or my pharmacy, where I get a choice of 3 whole local/mail-in pharmacies I can go to, but each one of them uses AI customer support.

I would consider anyone who's more expensive, if I were allowed to pay for it. Most of the time there is no options. I'm seeking a new employer in the hopes that some other insurance network will be better, but this seems to be the direction that all things are going: full corporate cartels squeezing the life out of everyone.