I am speaking from memory here and so my information may not be accurate and I know it is not current. IIRC, a few years ago there was a move by the feds to allow employers or individuals to get together and form health insurance purchasing groups. I do know that several states experimented with small employer purchasing groups. My recollection was that it has not been successful in reducing rates for group members.
No more lawyer stuff, no more political stuff, so no more CYA