Well, look on the bright side: insurance companies have already made insurance pretty much a Roach Motel: your premiums check in, benefits don't check out! so there's not THAT much difference between never getting a raise because your employer gets ripped off, having to spend a considerable part of your salary on premiums, and having to pay deductibles and coinsurance if you can actually find a doctor who takes your insurance, and NOT having insurance.

Nobody's stopping insurers from changing networks whenever they feel like it and then disallowing your "out of network" claim, or from refusing to cover your prescription because its price is too gross a rip-off.