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Illustration: Sarah Grillo/Axios

Most people don't have nearly as much choice over their health insurance plans as Republicans and moderate Democrats sometimes suggest.

Between the lines: People who get their insurance from their employer — the majority of people with private insurance — are often given few plans to choose from, if they're given any choice at all.

What they're saying: This came up in former Vice President Joe Biden's interview with the New York Times' editorial board.

  • "If you like your plan, you can keep it, assuming — I should add the obvious — if your employer doesn’t take it away from you."

The comment is a nod to how much control employers have over their employees' health insurance.

  • Many workers are presented with just one plan option, meaning they don't have any choice at all. Others will have multiple plans, but all from the same insurance company.
  • Employers frequently shop around for better deals, but employees are stuck with choosing between the limited choices their employers present to them.
  • And while competition is improving in the individual market, most people who buy insurance on their own still have only a handful of insurers to choose from.

Biden has proposed a public insurance plan that would be open to people with employer-based insurance — which experts say could lead to some employers deciding not to offer their own coverage.

  • For workers who have generous employer coverage now, a public option with limited provider participation would probably be a bad deal.
  • But if most doctors and hospitals participate in the public option, workers may not end up with any fewer choices than they have now.

Between the lines: "In the current political debate, choice has mostly been about whether you can choose private insurance or a public Medicare-like plan. But, that in many ways obscures the choice that probably ultimately matters to most people, which is choice of doctor or hospital," the Kaiser Family Foundation's Larry Levitt said.

Go deeper: Employers aren't changing their health benefits

Go deeper

CNN fires Chris Cuomo

Photo: Kevin Mazur/Getty Images for CNN

CNN said Saturday evening it has fired one of its star anchors, Chris Cuomo, following new revelations from a legal review made by the company into Cuomo's involvement in the management of his brother's sexual harassment scandal.

Why it matters: Saturday's firing speaks to how much pressure CNN was under by employees and critics to address Cuomo's behavior.

Updated 3 hours ago - Energy & Environment

Electric car prices could go up before they come down

Illustration: Eniola Odetunde/Axios

The secret to affordable electric vehicles is cheaper batteries. But after years of falling prices, battery costs are now headed in the wrong direction.

Why it matters: Costlier batteries could drive up the price of electric vehicles — threatening the auto industry's transition away from fossil fuels, and, in turn, society's fight against climate change.

Axios Visuals Deep Dive: Pandemic eating

Illustration: Sarah Grillo/Axios

A food revolution began pre-pandemic and COVID has only accelerated that. See how America's food industry is transforming, from farm to your table.

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