Employer Option: This is typically the employed individual's best option for health insurance if you are offered a benefits package. When adding spouses and dependents to the plan, employers do not always contribute the same amount to monthly premiums for any loved ones you may add, so it's not the most affordable healthcare option for them. This also applies to any Cobra packages you are offered, for the employed individual and family members, there can be a 105% increase from the original health insurance premium.
Public Marketplace: Also known as ACA Obamacare plans are based on income. Often these health insurance plans come with an HMO network, which means you're restricted to the doctors you can visit and you need a referral for a specialist. Along with this they have high deductibles and rarely offer dental and vision options and when they do, the networks are also restricted to what dentists and ophthalmologists you can see.
Private Market: These plans are going to be based on your health, and if you can qualify for them you are rewarded with better benefits and a low to zero dollar deductible. These affordable healthcare options come with a PPO network so you will be covered in and out of your state with the largest variety of practitioners to choose from, as well as on or off the job, and you do not need a referral to see specialists. You also have the option to add dental, vision, and life insurance at your discretion so you are not overpaying for benefits you will never use.
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