However, I have never done this. I doubt that many other people have either. Like most people who work for companies that subsidize employee health insurance I use the insurance that my employer has picked out. It would be foolish not to. At most I get to choose between a crappy HMO and a crappy PPO. Two years ago I got to choose between a crappy PPO and a crappy POS. It turns out that in this context POS stands for Point of Sale, although the more common meaning of POS would also apply.
In eleven years I have worked for five different companies, and had probably a dozen different health plans. I wish now that I had kept track of them all. It would make a nice picture to have all of the insurance cards lined up in a row. Looking back on the myriad of insurance plans that I have had none really stand out as particularly good or particularly bad. In reality they all cost about the same and all had about the same level of benefits.
So the choice in this case is no choice at all.