At the company I work for, our previous insurer doubled our premiums, so we switched. It went from so-so to terrible.

My daughter cut her hand and needed stitches; I took her to the ER; their surgeon was booked, so they sent me to a different one. I got a $160k bill for an "elective surgery."

It took a couple of phone calls to get the point across that stitches for a hand bleeding through 3 dressings is not elective. 6 months later, the surgeon still has not gotten paid (I know this because sometimes get copied on the "request for extra information" that is sent out by the company).

Also I get about 3 letters from the insurance company for every visit that involves insurance (PT after the hand injury was weekly, so this was a lot). I asked if I could get those electronically, and apparently my plan doesn't qualify for paperless...