I don't know, do they? If they do, then your premise is correct and there's enough benefit in negotiating in groups that it's worthwhile. If there aren't, then it's either a) the "economist sees a 20 on the ground and immediately assumes it's fake because someone else would have picked it up otherwise" or b) your premise is wrong and having a large HR department doesn't make a difference in your plan costs and pricing.
The real answer is that they do exist. I used Oscar for a year and their plans were actually by either United Healthcare or Aetna (I don't remember anymore) and the premiums were less and the quality was identical to what I had through a company provided insurance later. There's also Justworks that does something similar, though they're more of a full HR service provider.
The real answer is that they do exist. I used Oscar for a year and their plans were actually by either United Healthcare or Aetna (I don't remember anymore) and the premiums were less and the quality was identical to what I had through a company provided insurance later. There's also Justworks that does something similar, though they're more of a full HR service provider.