You'll 'sign up' for the only one your employer offers, because so few people ever consider getting direct coverage, partially because... if you have an employe

You'll 'sign up' for the only one your employer offers, because so few people ever consider getting direct coverage, partially because... if you have an employer that offers insurance, you can't effectively buy direct (you can't deduct the expense if you're 'eligible' via an employer, whether you take it or not). insane...