As you get more and more specialized, this starts to change. If my expertise is selling matts for large cranes, then there are like 3 companies that do that. The companies themselves are no special, but your expertise in that area does have a special alignment with what that company wants to do.
Non-specialized positions, again, make this question worthless.
I basically agree. Those are actually insurance, and serve a purpose. Health "Insurance" isn't insurance at all really...