That doesn't affect individual rates anymore. The insurance can charge your company a higher or lower rate than mine, but within our respective company "pools" everyone gets offered the same plans/rates.

It's one of the biggest drivers for corporate outsourcing. High wage workers demand a high quality health plan. On a $100k base the expense for a $25k plan makes sense. On a $35k salary, not so much , so now those people work for 'Facilities Mgmt LLC' which does the same non-core work but only has crappy benefits.