That employer subsidy is a massive difference! e.g. Your payroll deduction is $50 per pay period. The deductible is $2000 per year. Out of pocket max $4000. Th

That employer subsidy is a massive difference! e.g. Your payroll deduction is $50 per pay period. The deductible is $2000 per year. Out of pocket max $4000. The network is wide. This is because your employer is paying for the other 85% of this plan and employed people need less medical services on average than the public as a whole. You switch to a plan off Healthcare.gov. It costs $500/mo. Deductible is $8000/year and out of pocket max is $15000. The network of providers is only in one state and only at one brand. I don't think anyone would actually reject a cushy employer plan for an exchange plan.