I have been a full time employee for years. My employer always provided health insurance for me and my kids coverage which thankfully we didn’t use it or need it that much. This was until I was laid off.
My new work is as a contractor (w2) with no benefits. The employer is offering health insurance packages but they didn’t included our current provider (Kaiser) where my kids doctors and documents have been since they were born.
I am exploring covered ca options and I found out it is more than double the premium my employer is offering.
Why is the market place insurance is way more expensive than the packages offered through my employer for contractors . I am confused