Insurance without doctors

The university is changing health insurance providers again.  This time to Blue Cross/Blue Shield and ... the lowest cost (HMO) plan on offer doesn't have any pediatricians in Norman enrolled. None!

Pediatricians are among the medical specialties that make the least amount of money and perform the fewest high-cost procedures.  If even pediatricians wouldn't go for what Blue Cross's HMO plan is offering to pay, I have no expectations onf the quality of surgeons and the like who will go for the plan.  Of course, it's a deathly spiral.  The university can't afford to pay for health insurance, so they try to get premiums reduced. In turn, the insurers turn the screws on doctors. Medical practices are so inefficient that they balk.

Why is health insurance tied to employment, again?

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