Oh yes, because the vast majority of employers in the US say "pick whatever healthcare plan you want from whatever carrier you want, we'll make it work" and not "You'll get what you're given and be glad for it".

Even in tech spaces with money to throw around, that just means that maybe your partner and dependent's premiums will be covered/negligible, or that your deductible will be low.

You're still going to be fucked by their policies, though.

You’ve highlighted why I do not work for the vast majority of employers in the US.

Pay me enough in cash to secure my own wellness with whatever organizations I choose, or: next, please.