Well I am certainly not saying it's good for consumers. But I also think when a company like Comcast buys health insurance for its employees there's also politics and shmoozing and relationships involved. In fact every time I have gone to a Philly sporting event in a luxury box it's been through a friend who works in his company's HR (with the seats given to him by another company they do business with).
And there are also 40 million people buying their insurance on the ACA exchange (360,000 of them in PA, myself included. Price and coverage was still my big decision point, but I'm inclined to feel secure that IBX would be an okay company to patronize and their presence in the community over many years is certainly a part of that. Their former CEO also ran the World Cup organization for Philly, and now runs the Flyers.)
I have never considered using Citizens Bank, however.