Yes insurance coverages are not equal depending on the employer. Some union insurances the employees pay close to nothing and neither does the insurance. The one hung out to dry is the health care provider. Why would anyone take this kind of coverage you ask? Bc you have to take the good with the bad. You want to take the plans that pay well you have to take the crappy plans as wel. Supposedly it evens out but usually you get way more shitty plans and a few ones with good plans. It’s all by design to knock out the independent providers in favor of corporate outfits.