Cigna and Aetna are two I would rather not have. I am sure they differ across the country but they still would not be my choice.

However, I don't really get a choice. It is what my employer or my husband's employer decides to offer.

And...as Cataholic points out - that can change. I have a client that has BCBS right now. A 12% increase this year so the broker is getting quotes from other carriers. If it changes - it is possible covered employees and their families will have to change doctors as well. Especially if it is a different HMO.