Aetna in the private plan realm was a bit player they barely had 5% market share. In corporate plans, they’re huge. They’re still here in corporate plans.
I myself pay more to carry a PPO, because I want the choices too. What you’re seeing is just how expensive those choices are going to be. And keep just hoping your 1 in 3 number doesn’t come up.
Luckily, ACA will protect you from realizing what that really would have meant.