Varies a lot state-by-state. Ours has no individual plans offered outside the "marketplace", which most years only has a couple companies offering plans on it, all with bad networks, bad coverage, and terrible rates. A fairly bad employer plan is a much better value than the marketplace plans while a middling employer-provided group plan will be way better than the best plans on the marketplace, and there are, I repeat, no other providers that will sell you an individual plan in this state (I've checked, both with brokers and with major providers around, all said the same thing: "no-one sells individual plans in this state anymore, your only options are whatever's on the marketplace")

And yes, it's a red state.