A private plan will be cheaper per person than most any corporate plan, regardless of their negotiating power. Many people think their corporate plan is a great deal, because they are only contributing a small portion to the total cost. The company is picking up the rest of the tab.

And if you are going to go solo and plan to live off savings for a while, Marketplace subsidies are based only on income. So even if you have $1m in the bank, you will still get the subsidies. The sweet spot is to make just enough to "not" qualify for your state's medicare program. For a family of 3, depending on where you live, you could make $50k and still get excellent coverage for a few hundred dollars a month.