Jaiveer, on question #1 above, it is, and it happens all the time. Every year, we "shop" the market to make sure we're getting the best deal. I think the issue has more to do with the insurer than the group. The availability / mandate of non-underwritten products means that most aren't underwriting at all--more of a community rating model than risk-pooled. When we shop the market, the lower prices generally are a function of:
1. Benefit design, and
2. Carriers getting aggressive to grow market share.
Have you considered the wellness angle for large employers?
Outside the US, there's generally better nationalized health care systems. It's also very much country by country. Where are you looking at? How can you copmpete w the gov.??