Not just that; they keep changing the plans, so that the plan you are currently on may not be available next year, but there is a "similar" one that is 20% more

Not just that; they keep changing the plans, so that the plan you are currently on may not be available next year, but there is a "similar" one that is 20% more expensive and has worse coverage (and/or higher deductible). Those contractors that have LLCs may look into group rate insurance, as those are generally cheaper than individual ones (but you may need to have more than one employee to qualify).