Sutter is not a monopoly, especially in the Sacramento area. In Sacramento there's Kaiser, Dignity, Sutter and UCD, plus numerous smaller office chains such as Hill Physicians, etc.
What you likely meant is your employer's health plan is only Sutter... which is entirely a different thing.
> I got a free ambulance to their ER where two nurses and a doctor immediately stitched me up for less than 40 EUR and was given world class care
With most health insurance plans, everything you described would cost you only a co-pay as well (usually $20-40). Uninsured people are the ones stuck with $10k ambulance ride bills... after all, someone has to pay for the services.
What you likely meant is your employer's health plan is only Sutter... which is entirely a different thing.
> I got a free ambulance to their ER where two nurses and a doctor immediately stitched me up for less than 40 EUR and was given world class care
With most health insurance plans, everything you described would cost you only a co-pay as well (usually $20-40). Uninsured people are the ones stuck with $10k ambulance ride bills... after all, someone has to pay for the services.