Do you think for-profit insurers can provide the same sort of plan at the same cost as a not-for-profit one? Are they that competitive?
I would have thought the concern with any private insurer in a private, for-profit company is that a percentage of what would otherwise be its employees' benefits and income instead goes to the profit of the corporation. Therefore, unless they can be so efficient that they can actually provide the service cheaper than a not-for-profit, why would anyone have a for-profit insurer?