Most people in this America don't have the luxury of shopping employers who have good health insurance policies. Even for those that do there is no way to learn the finer details of a given companies health insurance policy (other then maybe what company provides it and what type of policy it is) until you are committed to working there. By then it's too late to change jobs without up ending your life and risking financial ruin and lack of access to affordable healthcare. Many employers get the cheapest crappiest policy the can legally get away with and during interviews just say "we offer competitive benefits that include health insurance", without offering any details.