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- 19:46, 1 February 2026 Ciriogpkyo talk contribs created page Why relying solely on marketplace plans traps growing teams (Created page with "<html><h2> Why many small employers default to marketplace coverage for employees</h2> <p> When a startup hires its first handful of people, the math and the effort of offering health insurance look daunting. The federal and state marketplaces (ACA exchanges) feel like the obvious shortcut: employees can pick plans that suit them, the employer avoids plan administration, and there is a perception that buying on the marketplace is cheaper because it strips out employer ov...")
- 19:45, 1 February 2026 User account Ciriogpkyo talk contribs was created
